Thanks Faldage-- I did remember hearing Twains name with the quote... Its is such a wonderful one... I love how statistics are bandied about.. and mangled.. and how they can be used intentionaly to confuse-- or even lie..

and Rhu-- i was being kind-- I used frugal as syn. with mean-- rather than the harsher word --cheap which is what i was thinking-- rather than miserly-- to cheap pay what the railroad charge-- as in a cheapstake-- I frequently define my self as cheap, (not in the sense inexpensive) but with a sense of miserly-- a word i rarely use--

Is that me? or general in US? (any one care to comment?

Cheap=tight with money-- i am too cheap to buy bottled water-- I just refill water bottles with water from the tap.