On the other side of the coin, there are folks like me whose bank account is bigger that their knowledge, and believe me, (both are moderate). I'll do a lot of the stuff myself, but there are things I don't feel comfortable attempting. I don't mind trying new things, like painting a picture, but, if I paint a bad picture, I won't die in a firery crash. Knowing how to do something and actually being able to do it are two different things.