sorry we didn't catch these posts earlier. Sundays, 9 PM EDT, 6 PM PDT, go to creditmania site and log into chat. Then some of us go into yahoo IM chat from there, some are in both at the same time. you need a yahoo ID and the yahoo chat client for that one. creditmania chat is java. The point is, we were talking and didn't check this board freqently enough to see your posts and invite you. We didn't mean to ignore you - it just moves very fast, especially following two chats, LOL. we can post this again next week in case you forget, LOL. breeze