I for one am very grateful that y'all did stick around! I wonder if I'd ever have worked it out for myself if this thread hadn't have been here. I still check in here, though I don't post much. For me it's a bit like surviving some kind of disaster, wondering how your fellow survivors got out and how they are doing but also being on hand to help those that are still struggling to escape. Maybe an over dramatic analogy, but my life was starting to go down faster than the titanic till I made my Big Plan. Thank you Freshstart et al for sticking around and to TU for starting this discussion so long ago.