np...and you are more than welcome to follow your advice and help out...I for one am a tad weary of repeating myself over and over again, and would rather type out the same response than ferret out a post to link to :wink:

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So Long and Thanks for All the Files
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Beware of the big 3 insurance companies in Texas! Read your policies carefully (maybe you'll need a lawyer) Allstate, Farmers & State Farm are overextended and their 'coverage' is worthless...a true waste of your money Read This