toodles. all I know is I have been mad, frustrated, depressed, hurt, POed, wanted to give up, but I am still here. Doc has passed the point of no return now I think. I picked up my tax returns yesterday-my tax preparer is a shareholder BTW. She said you know you can give each child and grandchild 15k each year with no taxes-I said 15k like hell-they are getting millions !!!!