Peggy,
I gotta tell ya girl...

I don't know you personally, but have a lot of r.e.s.p.e.c.t. for you!

Folks... this is what you call moving forward and taking "immediate" action.

Heck, I'll bet there are people here on this board who would take six months to a year before coming up with a 26 page report.

I wish you the best of success!

Also kudos to Marcia Yudkin for creating this thread... excellent information, all the way around.