Thank you for your comment and I agree as a former member and newbie, I found it sometimes hard to follow, though I was getting some of it and knew there was value in this service.  I decided to come back and appreciate the service has improved and is more helpful for those of us who are new to the lingo and the process. Thank you Matt and Steve for being more sensitive for us slow learners as this is second nature to you and is not easy to relate and explain basics that you have mastered probably decades ago. I'm pleased to be back and thanks for the emails as well, I am learning faster now because of your being mindful to explain and update...

Sincerely Chris k.