After enjoying these forums for over 2 years I am pleased to join! Thanks to those of you who share their valuable time in educating the rest of us, basically holding our hand through so much of this process. My DD is a Yuk at West Point, (soon to be a cow!), and this journey has been the opportunity of a lifetime, one never taken for granted, and I am always humbled by the reality. I look forward to the opportunity to help others as I have been helped. Cheers!