Thanks, Dan. (big smile) Dave Ramsey writes about money in a way that makes it seem manageable, and I'm never confused by him. I'm glad you're working on the badge books too. I was a Girl Scout and was always frustrated by not being able to read the material to get my badges. My mom was so sure I couldn't get the badges that she wouldn't read them. She said it was a waste of time. I managed to get my cooking badge by bribing a girl with candy so she'd read the pages to me. There is a part of me that still wants those badges. So please keep up your work for the boys. It will matter to somebody, probably a lot of somebodies. (smile) -- Monica Willyard Visit my blog at http://www.scannersguild.com To unsubscribe from this list send a blank Email to bksvol-discuss-request@xxxxxxxxxxxxx put the word 'unsubscribe' by itself in the subject line. To get a list of available commands, put the word 'help' by itself in the subject line.