I have a lot of reading to catch up on.  Thanks for the discussions and ideas you are all sharing. I won't be able to understand half of it, but still great.

The good news - LN is in place and starting to do it's thing!! I paid .33 cents for a roughly $250 transaction.  Much better!

The bad new- we're all getting spanked right now.

However I see a great buying opp and the LN makes me that much more confident about it.