Deb: Waffling is normal. I can tell you what happened to me and what I did but some of the details are a little too personal for me to talk about here. They embarrass me. Do you know how to work the private message function? If not, e-mail me at d.gorman@rkmlaw.com ( i know we are not supposed to give out our emails, but I trust you) and I will tell you my story.