@merc81 I was totally WRONG about everything ! I should just make my deposit into hamilton or Colgate. I will definitely transfer to Hamilton or Colgate. Now, I am suffering mentally from this wrong decision that will impact my future, and suffering financially from that 8K. I should think more about everything, then I will make a right choice of picking colgate or Hamilton. This is the most painful time for me, really hope I can travel back in time. BIGGEST MISTAKE IN MY LIFE. I regretted so much !!!