I believe there are many, many who did not send as an attachment, me for one. copied form into e-mail - maybe right, maybe wrong, but we will find out soon enough - - - some of the info letters just said to e-mail the info (name, etc) to the address given. Anyway, I did not note that it HAD to be an attachment in the communications I received. Another e-mail I received stated to just e-mail the info to the address - - Anwho - - - this is going to be a data processing nightmare I suspect - P