That's is great that he is here to help. I have read his reponses to other posts indeed. Chambo has replied to a different post on which I commented also, which was helpful. Clearly based on my questions, I am a newbie to MCA- which I have stated also. Creditguy- before you publically call people ignorant, take a deep breath, think and then state. I do not understand why this post is taking a hostile direction. We are all on this forum to share and acquire knowledge.