I was leaning toward USCCA although they appear to be the most expensive. However, after reading some of the posts in this thread I just don't know. From my research it appears that they all have + and -. As much as I love guns, sometimes I wish it wasn't even necessary to even have to worry about carrying one everyday. And it also seems that if you ever are involved in a shooting, your life will change forever even if you are found completely justified. The cards are so stacked in favor of the bad guy. Such is life in this day and time. Thanks for you input.