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i have been receiving news updates from murray for quite awhile, but i must say his advice to julian and emily is further evidence as to what is the caliber and quality of this man. thank you murray for all your clear and helpful guidance, as usual and to julian and emily for asking the questions so many of us need to ask. and juanita cg for george, thank you for your thoughtful explanations. as a newer list member, i find so much of what each member shares of value and i'm grateful you are so generous with your knowledge and support. maxine ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn