Hi there. I'm so sorry you feel that no one has been paying attention. I have read your posts before but like a lot of people on here I usually only post when I feel I can add something of value. I don't have children, only one brother, he doesn't have either and I'm not married so I can't really give you anything out of experience. Please stick around. People do care but I do think that everyone's situation is already confusing without getting advice from people who don't really know what they're talking about. That's at least why I and I'm sure others choose not to put our two cents in when we don't really know the situation. I'm still sorry it came across that way.