Larry, I have you on 5 stars for so many years, I can not recall how long. I do remember that when I joined that you were the first one that I rated at 5 stars. Please continue your well researched and well written posts. I belive you have about 99% of us backing you up so to speak.The saying that the way to get someone to do nothing is to critize what they are doing. THIS is the last thing 99%of us would wish to happen !! Hoov please continue...