thank you Robin for the information. Does anyone have any of his stories I could look at? willow _____________________________________________________________ Are you paying too much? Click to get up to 75% less on long term care insurance http://track.juno.com/s/lc?u=http://tagline.untd.us/fc/Ioyw6iieixzkYmcr0MGmgh5KcWlVJiSHf4ijV4OfzxU6JDdnV1v6VE/