i understand. but i don't consider how expensive my time is when i am out for a bike ride, growing tomatoes etc. infact, i have installed my own hardwood floors, resided my house, built my own shed, when i could have probably been working and made more than what i would have paid someone to do it for me, but i need a change of scenery from the normal work i do, the labor is theraputic for me, and there is always the "ha, i can do that" factor.