provo 06,I strongly agree with several of the other posts regarding this and might add to cancel this agreement asap. There should be a grace period allowing you to do this but I'm not positive. I'm sorry to have to admit it but "been there done that". Let us know how you made out as I and the others I'm sure would like to see you start your retirement on the right path. BTW would some knowedgable person please answer my post #4322?