Hi GratefulLife, "great" to have you here . . . we welcome your "significant" position in CTIX as well. While we might be "collegial" we are the laid back, flip-flop wearing, Guinness drinking, fun, All-American (we don't censor like some boards) all things CTIX IH board family. We would love for you to tell your friends to join us, don't be bashful and please post as the spirit leads. Lots of smart and talented people on this board . . . and, we typically are the source of new CTIX developments. Welcome!