thanks, BG!

I'll pass that on to DH ... I think he's on the phone at the mo - I tried to call and got the engaged signal

Kim - yep, we're coming up to 3 months ... and if that's how long it takes, so be it - we all only have 2 hands and 24 hours, etc, I just want to make sure that everything is there, and we'll get it back paid ... credit cards are due soon!