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Borrowing info from various places, including roy_eros on here, this is what I have dialed in on for a no frills umbrella set-up. Easiest way to build is with 4 wires, but you can add the fifth by wrapping it around the swivel eye up front, and running it through the hole along with the 4 wires. Size 7 single leader sleeve (ID at least 0.130) snuggd up and crimped against the base of the weight, size 3-6 snap swivel on the back ends. Simple enough you could even carry a few parts in the boat and build them at need. Wire is 195# stainless coiled (about 0.031, like light spinnerbait wire, but you can easily go up or down a size and make it work). As roy_eros described, the 4 wires are formed by cutting lengths appx 20"-24" and bending them in half using a round bend pliers. Cheapest weights I have found are the Ultra Steel bullets. Also the hole is big enough to use straight from the pack without drilling it out, price was $5 or so for 50 at Cabela's, have seen smaller packs at Wal-Mart. Weight in the pic is 1/4oz, but the holes look to be the same size all the way down to 1/16oz, so building a smaller rig for kids or crappie use is completely possible. Brass carolina weights also work, but bumps the price way up. Figure: Weight= $0.10 Wire= $1.00 (high estimate) Swivels= $0.15 appx Snaps= $0.20 x 4, appx Sleeve= $0.10 appx Total for frame without baits= $2.15 appx/ per each. Not paying $25...well, you know what the commercial says. You can still afford to buy a pack of swimbaits to fish on it when you are done. Makes it cheap enough that everyone who wants to should be able to experiment with it this year. as for the weights, I am hearing the less you add to detract from the rigged baits (as in no painted heads) the better. Lots of the saltwater rigs are running plain lead up front.