Thanks for the welcome to this forum. Dave, I would say that I am this calm most of the time and have been most of the sitch. With the usual being overcome with anxiety from time to time. Steve, thanks for your words, I certainly appreciate them. I feel the steps will help and may just be the "shock and awe" that I need for myself and possibly with W. Who knows what will transpire down the road for us, but unfortunately I need to cut some expenses to even live on a tight budget. This will happen, but is taking more time than I thought it would. New chapters! New beginnings! Being Thankful!