I saw that shortly after I posted - wasn't intended to insult (and you're probably tired of people reading the post and answering before reading farther . . .), sorry.
Its okay. You were about the sixth to mention that to me. Its a huge thread, I reply before reading the entire thread sometimes, also. No problem-o. I am glad some folks took the time to point out the info to me. I am surprised at the requirements but I guess it does make sense.