That is a good analysis...thanks Zew. I think I'm probably posting in the right place now. And thanks to you all for freeing me from the mission of finding the elusive 'root cause'

:-)

T 13 M 7
Me 48 H 46
SS 15
BD 7.14 PA
D final 5.16 (H filed)

We receive & we lose, and must try to achieve gratitude & embrace with whole hearts whatever of life that remains after the losses - Dubus