Cholula,
Thank you. As a former very frequent traveler, I have a good handle on the facts - I just cannot feel comfortable on this site. I read the wiki facts, thanks, and the post on ask the moderator, well unless its someone as nice as you who writes to me, I don't even know how to do that.
an example of my "befundlement" I did not know how to find my posts in order to see any replies! I had to search my screen name!
I will stop complaining an just keep clicking around and learning - I really do find great info - that is why I am so frustrated, there must be a ton out there that I haven't found yet!
Thanks for your help. And I will try harder.