@parrotqueen, @kay71, I am so shocked at this behavior. I do feel that I am on my own also. There is minimal research on some of these options, that is always concerning.

I would have, should have, could have, done a better job of research myself. I didn't realize that most of the responsibility for the decision would be mine. I am learning so much from all of you. Keep the experiences coming. We are reading and learning and sharing. May you be content and at ease today.
Chris