David: I have an insight in yout latte factor [you probably have already thought about it]. I call it the cigarette factor, and I use it to counsel my patients as a physician to quit smoking. I read a recent study from Duke Univ. that the true cost of a pack of cigarettes is around $40 when you take into the cost for higher insurance costs, medical care, etc. Therefore, a person who smokes two packs a day, they are actually spending $80 perday; I couldn’t afford that.