amd, No apology needed , you asked me a good question...I should have been much better at replying. I think a lot of us are under this financial stress with the stock market near bottom. It kinda puts a large "question" what to do, wondering whats around the bend type of thing! Hey if we all remember the good, and forget things that don,t really count...we are going to ROCK. YA! Capt,n