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Hi Joe: You are absolutely right and I apologize for diredting my response to you when it was meant to be directed to Margaret'somments. I'm truly sorry for the consternation it has caused you and your family. In fact I owe you a note of thanks for the other matter on which you gave me a helping hand. By the way my wife is from Pompton Lakes and we had our second date on a NewYears Eve in Butler, New Jersey so your town has special fond memories for me. Again I'm sorry. Dale Severance