Cab,Mr Yuck,340B5,Mr Seeman,HPMike,Dragula,StreetVanDan, thank you all,I am not being a pot stirrer, but this is EXACTLY what I was asking for. I am a little clearer on the whole thing,as it would apply to ME, here and now. I sure do appreciate first hand information/opinion. Great day to you all,and whoever else has anything to add later. Bear