I looked at your thread and don't have much to add. It seems like your doing your best and are trying real hard to follow the good advice that you are getting and exploring all angles. As I told Betsey and Berto last week when we met, "It is what it is," and we just have to do our best with the cards we have been dealt. Every time I think I think I have it bad, I think of the Twin Towers or our folks in Iraq (and now the charred bodies) and know that I still have a lot of great things and safety going for me. We are, truly blessed. Now I really have to leave this BB!!! KOFTGF.