Let's just call a truce and forget the recent exchanges of words between River, Mom and me. After all the whole issue was only over how we dispute bogus inquiries as discussed on the thread I started! Let's talk credit. Shantel, thank you for your post. Sometimes an outsider can help. To me, you helped here. PBM, thank you again for closing the involved threads. I do have one person on ignore as the result of the thread and it is not one of you. As an important side issue, I wish everyone would treat PSUgirl with more courtesy. That was the heart of the matter here to me. BTW, I don't even know her.