I really appreciate everyones help I have some serious thinking to do. I will keep you updated on the progress, any other suggestions will be greatly welcomed. I guess I am wanting someone to tell me its ok to get D and see what happens with OW, but I am ultimately the one who has to decide that, but I will make sure the blinders come off and that I do talk to my W about things and explore all options b4 I make a major decision. ty