I apologize KM, unfortunately today has been very emotional for my family (for a reason entirely unrelated to this thread) and I believe the next couple of days may be just as emotional. I am therefore bowing out of this thread for a time, I simply haven't the mental energy at the moment to comment as I would like. However I will say Anthony's viewpoint is very solid, and mine is similar to his own. I will respond more in depth once things settle down here.