As long as no other information arises, which I honestly don't think will happen, Rick's and Laurie's responses to my questions have essentially answered my concerns.

I told Tom that I write my posts, at times, to generate responses. Rick's response hit most of the points of concern that I had and I appreciate the discussion.

I must've missed the weeks where this topic was discussed in more depth as I assume prior posts would've answered my question also. The topic is closed for me unless someone else brings up something important (substantially important) that hasn't been discussed before.

I appreciate the board's patience.

P.S. A completely unrelated topic relating to all members: Please no more posts about individual forum members. They should all be banned immediately imo. Anything borderline on either side should be deleted.

GLTAL