My husband has had a ridiculously busy afternoon and day. This is his Kiwanis meeting day and then he delivers Meals on Wheels to shut-ins. The Texas heat and all of the hurrying exhausts him and he was really tired this afternoon. He did look at L.Jane's theory and agrees with what she is saying. He will look at it in depth and give me a written note to contribute tomorrow. Hope Aussie has been able to help some. And I agree with LJane. We will discuss this only in general terms on the forum. Facts, figures and her decision need to be in private conversations or pm's. Thanks to all who are helping.

Billye