Thank you for the reply.

And a fair question. In fact, no. But I have a son who's 19 who inherited 180K from his mother (adding to his 40K) and I'm not going to be able to work my magic for him much longer. (Anyway, it'll be his $75 if I can't...) So I am not able to adopt the lifeboat mentality with abandon. I also have a strong-willed SO who tells me that my United and her United are two different airlines, and she's still undecided as to whom she's going to give her love -- at least as to FF program . I think my magic is as yet not fully tested in that all the directions involved.....

(Either "the REST of the story" - or - more than you ever wanted to know.)