Catherdingmom,
I thought I'd let the email I had for this group expire because the spammers had taken it over. I just found your last one to me and I'm so glad "The Monica Files" were of help.
Gawd ... I need to stop posting when I've just worked out and followed it up with lotsa pre-work coffee. That was
way too much info I gave on my financial situation! Oh, well ... Sorry for the self-indulgence.