Lynn, certainly you've had enough stress to "finally crack". And I am totally sorry for what has happened to you - so much STUFF. Hope you can find some way to tell new T about his secretary/accountant/insurance manager or whatever she is. I would not pay another $140 to do it, but that's up to you. Fate has nothing to do with it, and God and me are for you. Who can stand up against you for long? You are strong, Lynn, and you can PM me and curse and flail about, if you think that would help. With Love - billieJ