I really appreciate the supportive comments from thriftycents, techguru and misiu. I was offended by doc's unwarranted personal attack last night. I was a department manager for many years at one of the largest banks in the US, so yes doc, I know how to read and correctly interpret written articles and documents. And as to my motivation doc, have you read any of my previous 60-70 posts and do you honestly believe that I am a "short"? Well, for the record, I am "long"! I feel that doc's publicly personal attack of me yesterday should be followed by doc's publicly personal apology to me today.