great job girt! i have to run, probably will sitemail you on a couple of your comments - but i thought you gave some good advice (and found the non-advicey parts interesting). with my end game settings, i actually used to do stuff like that - i wasnt into the game when they came out, and never really thought it through. i was afraid to hurt myself, so i played conservative - only changed in extreme cases, if losing by 10+ in 6 minutes, type stuff. but over the last 6 months, ive totally changed my stance - and for the last several season, you'd see much, much lower thresholds in my settings. thats why i was curious about your take - sounds like we are very much in agreement, at this point. those settings have won me some big games too, now i even review my end game settings for any game i game plan for.