Stacey,
I have posted 3 qeries in 3 different forums, but no one has answerd. Is my post not clear or what is the reason for no reply.

Thanks.

Nope - we are just behind and have way too many posts to answer. We are only on the forums one hour a day on weekdays and not at all on weekends. This is busy season, so it takes us longer to get to everyone's (great!) questions b/c so many people are studying right now. Sorry for the delay!