[1john2 3and4]

This is a long thread, and I haven't gotten to all the replies yet, but "what you said!"

Wow. You need to be a writer! That was such a spot on summation of what whole books have been written about! FR is an incredible place cuz of folks like you. Thank YOU! (Now, back to the subject....)

[Tax-chick]

Thanks - you're too kind! I find killer insights here, too, which is why I keep coming back. (Also to show off my baby pictures :-).