Moneytospend:

Welcome to the CLL Board.

A thought regarding your request that we be more germane. Since most on this board have been here for an extended period, if you could direct us a bit as to questions you might have, chances are you would receive a multiplicity of fact and opinions for your enlightenment.

So, might I suggest you pose a listing of isssues and questions you would like to have addressed. Undoubtedly such will be enlightening for all.

Brian