Arild, How nice to see you my friend! Hope you are recovering well from your surgeries and the reverses in the autosurfing industry. Feel free to give us some perspective from outside North America on this subject. Cheri

Cheri, Thanks for the encouragement and the information. Caly's forum is very informative as is Linda's I am going to be keeping a close eye on both and following Clays advice. And thanks again for your forum, I am reaaly enjoying hearing what you and others have to say on the matter of finances. anamaria