[JD86]

Excellent point. All we have are here and now. That's why prior preparation is a good thing.

[zip]

This is the type of intelligent, informative discussion that has kept me on FR this long.

Ditto.

This has helped me more than I can say. I have already sent this to my mother (88 years old and, I'm thankful to say, in good health). I'm giving copies to my brother and sisters at our Christmas get-together.