Lenny, I am so pleased to hear that you are making some progress and  
that have got your head around a few things such as the emphasis being  
on what you have left to spend rather than what you have spent! At  
least that is how I look at it. There are many things that I still  
don't understand but gradually it is all coming together, I feel.

Keep coming with the questions - it makes it easier for others to hear  
that they are not the only ones having the occasional or not so  
occasional struggle.

Cheers, Noreen



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