David,

I accept your terms.

I will point out that this has nothing to do with anything anyone anywhere does at the track. In handicapping, the odds ARE the score, and finding value is the ONLY thing that affects your ability to have (and you, DP, have previously singled this out as the MOST important thing) long-term positive ROI. As long as we both have to cope with the same thing, it's fine with me. It's an unusual set of conditions, so maybe you think you have calculated this to some advantage. Could be an interesting exercise in any case. I'll try to learn something.

As for settling up, I don't use PayPal. I'm in New York. If anyone in the Sheets office will agree to accept your money, I will deliver it personally over to 11th st. Can you manage something similar in New York? We'll work it out. Where are you? HP