(Re: OP maybe was less savvy to whatever other information is known in here or maybe was too busy to look, etc. Who knows.)

I'm quite sure that I am less savvy than many of the posters. I am always amazed at the knowledge that so many of you have. However please be assured that I did try every combination of words that I could think of while searching for this topic and nothing came up. I was not too busy nor too lazy. I simply couldn't locate any thread about this topic and so i posted my query. Now that I have had so many responses I am well fortified with information and I thank one and all for filling in the blanks for me.