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Tammy, You are absolutely right. Thanks for the advice. I will look into it as soon as I settle down a bit. I was IRIF'd from work on Monday after 24 years. So I'm not concentrating 100% yet. I am so worried about my health care and the WLS that's my priority right now. I'll be on severance until July 2004. I am checking on the my health care now. So many things to do. Just not enough time. I am positive that 1 door closes and another opens. I've already asked for God's divine assistance through all this. I know He'll keep me under check and show me the right things to do. I am very blessed. ((Hugs)) EH