Thank you for all of the information. Please accept my apologies for not responding sooner - my lifelong best friend died Monday. I have been at her house and have received notification of your posts via my blackberry. Today I am home making hotel reservations and getting suitable clothes to wear to her funeral. I took the opportunity while at home to let you know that I'm not ignoring you and appreciate all the information you are providing.

Right now I am still in shock and so cannot process a whole lot, but I should be better next week to start my action plan.

Best regards.