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thank you Lane. All I needed was for somebody to give me an honest informed answer and you did that. I rated you excelent because of that. Just because I may not like the answer has nothing to do with your timely and professional response. You might be happy to know that I have arranged a repayment schedule of $50 a month! I may die before I repay the whole amount, but at least $50 a month won't hurt! Lol! thank you again.