And yet, with all this depth and wealth of wisdom at your finger tips, for months now, the same type posts come up with the type problems. No, you absolutely do not have to take ANY notice of the consistent advice given to you. Or are you one of these people that just keep asking the same questions until you hear the answers that you want to hear? You lay your life out on a public forum and are then shocked cause no one knows how much you know? No one has walked a mile in your shoes? People criticize what they don't understand? You're right. I DON'T understand. I only see what I read as posted by both you and your daughter. ...and I do not think that the horse is getting the best deal here.