WHAT I MENT BY "DUMB" IS THAT IF SOMEONE THINKS THEY CAN TEACH YOU ALL THERE IS TO KNOW ABOUT ABSTRACTING IN 3 HOURS, THAT IS "DUMB" .  I HAVE BEEN IN THIS BUSINESS FOR 30 YEARS AND AM LEARNING NEW THINGS QUITE OFTEN.   HERE IS AN EXAMPLE OF WHAT I LEARNED NOT TOO LONG AGO.  IF A COUPLE HOLDS TITLE AS JOINT TENANTS AND ONE OF THE JOINT TENANTS KILLS THE OTHER, WHO OWNS THE PROPERTY?  I KNOW THE ANSWER TO THIS, BUT I WOULD LIKE TO SEE WHAT EVERYONE OUT THERE SAYS.