Iain, Thanks for the reply but that is where I started with zero results. I am hoping that a member who is also a VEC will respond. Regards, Carlos K4REI ____________________________________________________________ Refinance Now 4.0% FIXED! $160,000 Mortgage for $633/mo. Free. No Obligation. Get 4 Quotes! http://thirdpartyoffers.juno.com/TGL3141/4c1fbde9c794838ffm08vuc