Thanks Hope, for the site ( I bookmarked it ) and LisaM for your personal experience !! Those were the answers I was looking for! It is so hard to sit down and read through anything thse days, can't read that long, flares the TOS ,
so this is exactly what I was looking for!!

Thank you, Thank you, Thank you !!!!

And anyone else that would like to share, I am all ears !!!

G~