Hi, Julie:<br /><br />Nice job! I probably fussed too much on this document, so just accept or reject the edits as you wish. We had negative equity with&nbsp;our house too; it took thirteen years to recover, but at least you're in California with all that sun. We've already had snow in southern Ontario. I could send you some ice for your Pina coladas&nbsp;if you like.&nbsp;<br /><br />Boilerplate:<br /><br />COMPATIBILITY MODE<br />Please remember that not everyone uses the same version of Microsoft Word. New features in Word can cause documents to look and behave differently when viewed with earlier versions of Word. In some cases, part of a document that is created using new features can't be edited in earlier versions of Word. So, please check your edited document carefully.<br /><br />Best wishes - George