So great to hear from you pbetra! I was worried about you as we haven't heard from you in so long! Happy New Year! It sounds as if you are doing OK. Like you I am still not in anywhere close to a decent financial state but am working hard towards getting there. As for me, W has been pushing hard to finalize the D and the last meeting didn't go well for me. But I'm not hear to talk about me. I just wanted to let you know that I'm glad you're back and I'm rooting for you!