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 thanks from the desperate one I want to thank Gordon, Margaret, Todd, Sandi, Garth, Phil, Jim, Michael, Bob and Ankesh for taking the time to respond to me. I read all the suggestions and have started to act on some of them. This is truly the best forum I've been associated with. I've learned a great deal from you - especially ways to look at things differently, being creative, money making ideas, etc. Even though I've got some real estate problems, I'm actually pretty knowledgeable about it. Give me a holler if you need help! Tom | 
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 HI, Tom - I guess it would be a real education for us all if you give us an update in a few months' time; good or bad, it will no doubt help someone else keep out of trouble - I'd certainly be interested. Best wishes Margaret | 
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