dear ms magnolia - Not surprising that they want to quote you. I do, myself. But you got it right, when you wrote: > fat-cat-albeit-not-for-profit-but-salaried-org (Another quote that I will use, possibly with attribution. Depends on whether I add expletives.) (Did you see "As Good As It Gets", when Helen Hunt takes off on HMOs? Now that's a good use of expletives.) Such orgs are the bane of us in industry who try to earn a reasonably honest (?) living. Be of good cheer not-for-profit-disabled-pensioner You're loved They're not. Bill