Thanks Rock! Same to you of course- I hope you get that buyout on SIAF you're talking about and that you have a bunch of shares! I know you'd do good things with the money. Right now it's baby steps. I believe I will have all my debts paid off less than 12 months from now and hopefully saving $600 a month starting then- we shall see how it goes! We both took a licking but still ticking!