Thanks for your reply BT, even though it wasn't necessary.

As always I appreciate and respect your input.  No doubt I have and continue to learn from you.

The only reason I mentioned some folks not being comfortable posting certain questions or opinions on the message board is because I've mentioned a few concerns on the board in the past and had other people PM me and tell me they appreciated me asking the question because they had the same question but did not want to mention it on the board for whatever reason?

Have a good weekend.