drg,
Welcome to the DT forums.
It would be greatly appreciated if you did not create multiple new threads and also did some prior research on the topics you create, rather than letting your fellow contributors do the work for you. Your question can be answered with a simple Google search, if I am not mistaken. It would also help if you put some meat on your posts, observations, comments, data points, what you wish to discuss, etc..
Thank you and enjoy.