[Sorry that the information you received is so confusing. I think it is confusing also. If you can post to legal mania on the SSD thread. She has some knowledge on SSD subject. She may be able to understand their reply better than I can. We may be able to post back to you with bigger writing for your visual problem. I am new to the site and don't know how to adapt to larger writing yet. There will be others that can help also. Good luck to you. Ginnie