Agreed, George.  My sincere apologies.  You have set the few facts straight.  Because you lived there for 3 years, you are obviously the resident DP expert on all things Puerto Rico and the opinions of anyone else is worthless at best.  You certainly know more about this subject than anyone reading these comments.  Say....about those pesky banks that won't loan them money, I have heard there are financial institutions in Germany that loan money to high risk clients (and rumor has it possibly Russia too).  To say a non constitutional PR citizen is any less of an American than the rest of us, is absurd.  From my own experience, PR is far from a lovely paradise.  I'm just curious since you are the resident expert on all things PR, what is the actual count "of the many Virgin Islands" in the Caribbean?