I agree with you Tesla about the climate for business right now, and I will be doing things exactly as you suggest. I estimate that I won't even have things in place for about 18 months, but I will be working toward that time in the future. I don't really know if conditions will have changed by then, in fact they could get worse. I would at least like to be ready though. This is going to take quite a bit of effort, and admission of and correction of my areas of ignorance, especially as concerns business, but I am willing to do it to be successful. I have no illusions about the long hours and work this will require, but I have to at least do it, or I will regrett not trying. Liverstos out.