Please don't take my remarks personally. It's clear to me you were attempting to be thorough. In fact, I also appreciate your willingness to jump in and give advice when you were sure you could say something appropriate. Please keep up both things--asking when you need something, and offering when you have something to give. If my remarks offended you, I am sorry. I do appreciate your being here. PS: I'm not a "sir," but you don't need to say "ma'am," either. No need for such formalities here. Janina
