My husband's in the hospital again and I just came home to get some sleep. I checked my e-mail when I came in and picked up a goodly number of INPCRP messages since I left home at 5:30 this morning. I'll check on the list again before I go back to the hospital this evening, but in the meantime I want to issue a word of CAUTION to the list: I urge all of you to keep this discussion CIVIL and do NOT let posted comments on the list become PERSONAL! As always, we are EACH entitled to our respective opinions and we can, at a minimum, agree to disagree. Lois