Thanks to the wonderful, patient support and tutelage of 'quietcove' Gary I 
have made my own cs today.  Please hold your applause til the end, thank you.
I have been fretting, stalling and basically bs'ing my way out of taking care 
of this much needed chore in my life.  I am proud and humbled by the ease of 
the process.  I am grateful to the members and keepers of this list for the 
support I drew from your posts.  I would like to say a special thanks to Gary 
and Judy for offering me this life preserver, the waters not bad now that I 
don't feel as if I'm drowning.
Again thank you all.
Sherrie