[terry and jo]

Dave and Maxine,

Well, I can attest to the fact that a LOT of us are still learning, so don't beat yourself up in any way. I've been following three different forums since about mid-2008 and I continue to learn every day. But, in spite of what I have learned, I STILL have a lot of issues that I don't know enough about.

That said......welcome to the club.

Terry