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Well, gang - it seems there is a snowballing effect going on here, And it appears to be happening mainly between Janet and myself. Therefore, I've decided to sign of the listserv and regroup. The rest of you will have to read her barbs with hooks. So as of 6 am Sat. morning, I will get my info from books or personal mailings. Thanks to all of you who took the time to post information that everyone can read and learn from. Best wishes. Jo Ann from Houston