Thanks Lauren, that's very nice to hear!
Some of this info I clearly could live without! Esp the spider bit! But I do want to thank you for your info on TORFX for money exchanges...I contacted them that very day and am set up in advance for transactions if needed. My contact is Douglas Palmer who was very fast and efficient. I jumped in with full confidence after reading your recommendation...now don't go telling me that I need to jump from the Eiffel Tower to really benefit from the great health system in France!? Even tho' I don't participate much, your network has become a daily pleasure.