Thank you, Mark, for that long reply. That's exactly the kind of exchange that is helpful to people who are trying to find their own path. I'm pushing in one direction. You are pushing in another. Anyone else who joins in will offer further alternatives. But the common message I take away is this: (1) There are lots of ways of doing this stuff. (2) Lots of them offer very satisfactory results. That's should be a message of hope to those who have been so badly beaten up in the recent financial turmoils. That on the personal level, a lot of very effective things can be done toward achieving one's financial goals. Charlie
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