Thanks, Lit Love for that link and info the Form SSA-831 and the DDE. That sounds like something I can do. I think I might like to get the CD, but I have a Mac and am wondering if it would only open on PC. I did go to the link and that is an interesting site. I remember going to it years ago, and it seems to have really great information.

Maybe Janke will still see my post above and weigh in too.

I appreciate all the knowledgeable responses I can get on this.

edited to say --- Forgot to say to NoCmpassion thanks for the support!