For those on this board who are not a member of RefundCents yet, it is a GREAT newsletter to be subscribed to. It has so much information, and I read so many more GDA on RefundCent's ChitChat than I do here. I use this forum to trade in addition to RefundCents. You won't regret it! If you decide to subscribe, please use me as a referrer. My name is Jill Brinks. Thank you!