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A warm thanks to all the folks that responded to my request for help, both on and off list. You people are very candid and very forthcoming with your help. Thanks to all of you for the ideas and the warnings and the encouragement. I will keep you posted from time to time what is going on as this stage of my disability process progresses and I will probably be asking some of you offlist for more input. thank you, thank you, thank you. You guys ( & guyettes) are really great. regards Don Anderson (aka Rat)