I have had 2 replies that think the F.M.B.A. is the Firemen's Mutual Benefit Association. If this is correct, then what is it? What was its' purpose? It sounds like an insurance company, but I'm sure that's not what it is. Thanks! ________________________________________________________________ GET INTERNET ACCESS FROM JUNO! Juno offers FREE or PREMIUM Internet access for less! Join Juno today! For your FREE software, visit: http://dl.www.juno.com/get/tagj.