'Jinsong', Great plan. You,lodas and diamond have all talked today about the most important result of this long endeavor....help. Your bills, your family, your friends and then of course charity. Right now I personally have more time than money soooo time it is for the most part, still give what I can especially this time of year. Great to see some open hearts. In my experience there are two kinds of givers, those that expect a thank you and those that don't. I expect most here are the latter. GLTA