Yep Jeff we are both night owls...too bad I can't find a job I like that starts around 10 am instead of 8!! smile

Mike, that is a good idea...having the sibling be the beneficiary but designating the funds to Caleigh...I might have to borrow that one!

Me-35

Together: 18 yrs
M-12.5 yrs
S-8
D-4
D'd: Feb. 2010

The LORD your God is with you,
he is mighty to save. --Zeph. 3:17