BTW, the change in my mindset is due in great part to so many folks on here pissing me off and telling me what I really didn't want to hear. So for anyone I've been snitty to, you were probably dead on with your advice, and I thank you ALL so very much. I see myself in all of you. From the first poster who's asking the initial "what the hell do I do?" to the old school veterans who seem to have it all figured out. This place truly is a God send and I'm grateful beyond explanation that this forum is here.