Add me to the list of recipients of helpful, cost-saving info, PMed by another heretofore, unknown to me FTer! ^
That kind FTer sent it unsolicited after reading a post of mine and thought he could help.
fwiw, if anyone ever feels a bit down on FT, for any reason, I strongly suggest you head over to Community Buzz and read the relatively recent "Medical Emergency" thread. Your faith in FT and FTers will soon be restored.