I just wanted to say that I am in the process of writing my response and that I haven’t forgotten or abandoned my post.  Fortunately (and unfortunately in some ways) I am selling my house, and if any of you have ever been through that, there are TONS of things to work out.  Between that an work I haven’t been able to re-post.  I have been typing my comments into a Word file when I have a little time so that I can "cut & paste" the whole thing at one time.  In it I will have responses to all four who have commented thus far, so as to eliminate multiple posts for no reason. 

Again, sorry for the slow response time, just a little busy.  Hopefully I will be able to get to it tommorrow (Friday the 18th).  Thanks to all for contributing so far!  Blessings to all in Yahshua!