Thanks, Anvilhead. (I love your handle, btw.) I remember that you tried to tell me the same thing about needing to let go of the idea of the money as a debt a couple weeks ago, but I wasn't in a place where I was ready to hear it. I am going to have to think about how to get there. Haha, maybe I need to have a mock funeral for it, or bury it at sea--I could make a $12,000 bill out of construction paper and crayon.