In a message dated 12/21/01 1:20:53 PM Pacific Standard Time, onewmsvc@fastq.com writes: << I have learned from my own ongoing research and hope to be able to add to the discussion in areas I'm competent. But if not being a veteran and just a writer is a problem, please let me know and I'll unsubscribe myself. >> Hi Judy- Not to worry, we are all writing a book :-) Ron