Let me also add that I'm not meaning to come across as coming off the top rope on anyone. If anyone feels like I have, I apologize. I just have to give credit where it's due to Curly. He has a great product, which goes way way beyond what you can find elsewhere, and which he is continually improving. It takes a not-small amount of work. And his small fee probably barely covers his real costs of hosting the website. He's not getting rich off it (not that I'd fault him if he were). He gives a lot of groups free access, like NH's, Mil leave, disability, etc, which I have to respect.