Hi! I have been in your shoes, and know where you're coming from. I'm very impressed by your positve approach to financial challenges, especially in the light of the last couple of years we've had of this decade. The point is, you really can make it if you want to, and you guys have obviously seen that. But now it's time to make it a reality. It can be done, in the face of all the adversity. Take up the challenge and enjoy it! It's about 5 minutes away from 2010 here, so I'm going to go and get the shampers...so good luck for 2010!