Hi George, Thank you so much for the information you found!! I never expected so much! I have his pension app at home, and just found it a few days ago. I moved recently and was going through boxes looking for a book when I came across it. I haven't had a chance to read though it and compare it with what you have, but I will. I can't afford the fee that the red box above wants, and couldn't find a lot anywhere else. Thank you for your generosity with your time and know how!!! Cathey