Hi Tatia, thanks for the links. It's kind of hard for a new member like me to try and stir up some discussion when it appears that everything has already been discussed. I do like to read the past discussions, but I would love to engage in some real-time conversation, too. I guess that's just one of the drawbacks of not having been here for years like the rest of you.
However, in the links you sent, I did not find an answer to my question. But I did find someone else asking the same question.