L, Thank you for that input. I realize I made a mistake last week as I was leaving, by telling him we needed to talk some more maybe this weekend!! ugghh! (was trying to buy some time since I didn't know how to handle it). Well now he's just emailed me to set that up! I read on a wise post today NOT to give a time when to talk about D. But for sure I have some very good info thanks to you & SD, BillM & others who responded. Thanks for taking time to reply!! LFA
