Thanks all for your insights. ClutchB, your simplified version brings things more into perspective. I also had a good conversation with my sponsor and another guy who is pretty much my cosponsor. They gave me good ideas as well. Was hoping to discuss it a little more at a meeting tonight. I'm out of town and used the local meeting guide to find a meeting, only to find the meeting I went to does not exist anymore. Glad I have this place to gain insight