Dear tsuwm: I solemnly swear I do not regard myself sufficiently endowed with wisdom to be " condescending" to any Board member, much less to you whom I cheerfully regard as better qualified than I am. I simply meant that I read the book carefully, and was impressed with the completeness with which he covered all of the questions that might be reasonably asked. Too bad the book is not readily available, and that so many of the pertinent sites have been removed from Yahoo.