Steph, don't change the ins., I cover my h under my health ins, and yes 8 mos ago when all this started downhill, I was going to change it and then I realized we are still m, and since he moved, he has sep chking act, and I kept joint and he is very generousley putting 1/2 into it, so step back and take a deep breath. I might take you up on writing to you, thanks! Sue
