Thanks, Sculpin. I have read your post twice (once last night and again just now) and got a lot more out of it the second time over. I see your reasoning in part although everything is not pefectly clear to me even yet. However, without being an insider perfect understanding may be an impossibility. I may or may not come back again as I reread your post here another time or two (to let it all soak in) and ask you a follow up question or two to clarify my understanding. You put in a lot of effort in answering my question and I do appreciate it. Thanks again.