Well, I know this seems very presumptuous. I am no guru or oracle. But, a lot of people seem to seek my advice so I think its a good idea to provide an opportunity for this to happen here. For every person who has a problem a million more have the same problem so by posting your questions and me doing my best to answer it or direct you to the right source a lot of people can be helped. The generosity of asking your questions helps others benefit from your life experience and mine.