Wnnerful, wunnerful, wunnerful. I cannot thank you enough for both the blog and your comments. This is the first time in this ongoing discussion where I experienced being grounded, not up in the air (euphemism for truly confused) on this issue. I have taken the liberty of copying your words and would like your permission to send them to friends as well as quote you, with a proper cite, in other forums on this topic. What a relief.