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sparrowhawk43: "Well now, that puts a different light on the subject. I'm too upset to reply tonight, I'll have to answer your questions tomorrow."

Sorry! I was not meaning to upset you. And many of my numbers were SWAGs.

"Thank you very kindly for your time and information!!"

You welcome. I am not doing anything that a lot of other more regular posters on this board could do. There is a lot of help available from this board if you are willing to listen and it tends to get better the more you can bare your financial soul (and budget).

Regards, JAFO

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