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The PC answer is both have merit and its depends on the person. It might be better stated..."Which is harder to obtain?" Today's CFP generally takes the same college courses as one who has the ChFC, exept the ChFC will take two to three more college courses to obtain their designation. Each course requires an actual final exam to prove comprehension. Exampleof course from American College: CFP & ChFC Required Courses:

HS 300 Financial Planning: Process and Environment*

HS 311 Fundamentals of Insurance Planning

HS 321 Income Taxation

HS 326 Planning for Retirement Needs

HS 328 Investments

HS 330 Fundamentals of Estate Planning

ChFC Elective Courses:

HS 322 The Financial System in the Economy

HS 334 Estate Planning Applications

HS 352 Financial Decisions for Retirement The big distinction is the CFP must pass a rigourous two day ten hour test covering variuos financial planning topics (last count was 89 distinct areas of knowlegde) given by the CFP Board before being able to use the CFP designation. Passing rates for this test usually average 60% (historically it's lower the second time you attempt it). CFP certification requirement

http://www.cfp.net/learn/knowledgebase.asp?id=11 CFP Exam Topic List

http://www.cfp.net/downloads/Financial%20Planning%20Topics%202006.pdf Some CFP's such as CPA and lawyers need only pass the test without taking the additional college course work, but cannot get the ChFC without taking additional college course work. Also CFPs must have at least three years of planning/advising experience before using the CFP marks.

Install BTV and your mac's inbuilt webcam should start working with yahoo messenger.

For more details, check here http://help.yahoo.com/l/us/yahoo/messenger/mac/mac3/webcam/mstamcamtest.html

If you have a USB webcam, you probably need to download and install a third-party driver to make it work. There are some free ones out there. Do a search for: Macintosh webcam driver. The description should give you list of supported cameras.

If you need a quick, easy and reliable solution buy the software. I've had great luck with drivers from these people: ioxperts and ecamm

Installing a webcam driver should allow you to use other programs that use cameras too! Like iChat.

If you have a firewire webcam it should be plug-and-play. Just look for your video settings in Yahoo Messenger and choose it from the drop down menu.

No Call 911 --IS IT normal for you to bite him if he upsets you? --WHAT'S NORMAL is far from being good or right, so one would have to base their feelings on what love is, as defined in the Bible:

(1 Corinthians 13:4-7) . . ."Love is long-suffering and kind. Love is not jealous, it does not brag, does not get puffed up, 5 does not behave indecently, does not look for its own interests, does not become provoked. It does not keep account of the injury. 6 It does not rejoice over unrighteousness, but rejoices with the truth. 7 It bears all things, believes all things, hopes all things, endures all things." --IF SOMEONE is trying to convince you that it is normal for him to act like that , they have a sick view of life!

These are used to measure flow rate.

With an orifice plate, the fluid flow is measured through the difference in pressure from the upstream side to the downstream side of a partially obstructed pipe. The plate obstructing the flow offers a precisely measured obstruction that narrows the pipe and forces the flowing fluid to constrict.

The orifice plates are simple, cheap and can be delivered for almost any application in any material.

The TurnDown Rate for orifice plates are less than 5:1. Their accuracy are poor at low flow rates. A high accuracy depend on an orifice plate in good shape, with a sharp edge to the upstream side. Wear reduces the accur

Due to simplicity and dependability, the Venturi tube flowmeter is often used in applications where it's necessary with higher TurnDown Rates, or lower pressure drops, than the orifice plate can provide.

In the Venturi Tube the fluid flowrate is measured by reducing the cross sectional flow area in the flow path, generating a pressure difference. After the constricted area, the fluid is passes through a pressure recovery exit section, where up to 80% of the differential pressure generated at the constricted area, is recovered.

With proper instrumentation and flow calibrating, the Venturi Tube flowrate can be reduced to about 10% of its full scale range with proper accuracy. This provides a TurnDown Rate 10:1.

The rotameter consists of a vertically oriented glass (or plastic) tube with a larger end at the top, and a metering float which is free to move within the tube. Fluid flow causes the float to rise in the tube as the upward pressure differential and buoyancy of the fluid overcome the effect of gravity.

The float rises until the annular area between the float and tube increases sufficiently to allow a state of dynamic equilibrium between the upward differential pressure and buoyancy factors, and downward gravity factors.

The height of the float is an indication of the flow rate. The tube can be calibrated and graduated in appropriate flow units.

The rotameter meter typically have a TurnDown Ratio up to 12:1. The accuracy may be as good as 1% of full scale rating.

Magnetic floats can be used for alarm and signal transmission functions.

The pitot tube are one the most used (and cheapest) ways to measure fluid flow, especially in air applications as ventilation and HVAC systems, even used in airplanes for the speed measurent.

The pitot tube measures the fluid flow velocity by converting the kinetic energy of the flow into potential energy.

The use of the pitot tube is restricted to point measuring. With the "annubar", or multi-orifice pitot probe, the dynamic pressure can be measured across the velocity profile, and the annubar obtains an averaging effect.