[mzmom3]

Gosh........Thank you Barb, AnotherLinda and Fran for your insightful response. I feel as though this is helping ..........as though we were across the kitchen table and talking about all the pros and cons together. This really means a lot to me because we have been going around and around with this for a while now and just getting no where. We were thinking that we'd never figure it out and couldn't understand how we ran a business and raised a family and yet couldn't reach a decision about this subject. It was literally driving us a bit nutty.