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