Hi everyone.  I apologize for my tardiness in getting back to you.  This was my first day back to work in about a week and I got slammed!   It is 1130 PM and I am just now getting to the post on my own blog as well as finally getting to take a look at some of the others.      I will be replying to each of you individually but I wanted to take the opportunity to put out the disclaimer first!  :D