You're much smarter than me, my bank account has been depleting and not much has gone toward savings! After you helped me out the first time, I had this crazy drive to make sure I knew enough to not second doubt myself again. I owe you a lot! =)Hey TT, I missed you guys here. I'd been busy with work for a while, so I haven't been able to check out the forum (which was better for my bank account...). You've become an impressive expert on MJ!