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 Thanks Frank D., Jim K., Vance, Sean, Jon, and 
anyone else I missed that have helped with my silly questions.  I 
hope I am as generous as you guys are with any helpful info I come up with if I 
ever get off the ground.  I am reading the ABS and am actually learning 
things, so it isn't all drudgery.  I see no reasons so far not to follow 
its guidelines.  Maybe I should do some homework now and stop bothering you 
for a while... 
Don 
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