Sorry, Marc when it is a large group like this the whole group must decide to do the same thing. It would be a nightmare of confusion with some locked in and some floating. Lets not worry about this until April/May 2007 it is a long time away. Last time it was not a close poll when we posted the poll choice on LCT and most on ROAR decided to lock in which ultimately was the right decision. I have found most people prefer to lock in so they KNOW what to budget for and expect.