SEEL.....You are AWESOME ! WOW.....I'm starting to understand more and more and since I have so much " moo-la " tied up, it would surely make sense that I should GET IT ! If I keep reading your posts I won't have to stay in any more Holiday Inn Express hotels to get SMART ! : )

Seriously, thanks for your knowledge and your incredible ability to articulate same to people like me.

GO CTIX !