Glad you came to a conclusion! I thought "common sense" had died. We'll see in November it's alive an well.....Tony
Yes, common sense---what a concept! We live in a world of "quick fixes." Sad to say, it took years for us to get into this mess and it will take years to get out of it. In the mean time, everyone of us needs to be wise and responsible when it comes to handling money. Thanks for your insights Marty!