a brief reflection...then a longer post

Wow. Thank you B Jay. I must comment that I am glad to be accepted into your forum. It is not often that I have the opportunity to interact with people other than my wife on such a compelling level. So, thanks for your response and for calling me to the carpet as well. Also, thank you all for the many "recommendations for further reading, etc." I appreciate all of your expertise and willingness to suggest. I'll post again in a bit...