V - you are very knowledgeable indeed & thanks for the advice when we know you are so busy.....January almost over!

OD - no problem for butting in...interesting to see the answer :-)

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