Bob,

Just take that chip & put it in your "live & learn album!" We ALL have to learn the hard way, but it also will even out in the long run. The more knowledge we gain, the better deals we'll get & the fewer BAD mistakes we'll make. That is the great thing about having a Computer & being able to exchange ideas, information & knowlege with each other. That is when we are not pulling the pit bulls off of each other............Andy - Las Vegas