Thanks for the lovely comments! I think I have to manually sort and replace hyphens, apostrophes, quotes and the ubiquitous GBP symbols as they all came through as question marks still. Let's see if I can get it down for next week's news. It's a real pleasure to connect with folks and to read (and type) (o; the old news. I love the language differences and of course can't stop spelling things in british english now. Cheers! and KiaOra to the NZ crew. Lorena ____________________________________________________________ FHA Cuts Refi Requirement If you owe less than $625,000, the Fed wants you to refinance! http://thirdpartyoffers.netzero.net/TGL3241/4feb0de616dc7b5a6c6st02vuc