Thank you everyone, for all of your help. I have to sign off now, b/c WH will be coming home soon from golf and DD needs some fresh air. I think he is going to want to discuss the D tonight. Yikes. He will be back to work Tuesday. I will read all of this over carefully and after he has left for his trip later in the week, I will begin to take action. I feel sick, but at least I have a plan, thanks to all of you. Stung