[quote=mczepyha]Thanks Kyle, I'm good if I don't have to follow Promising Practices to the letter. I can be practical to get the point across. I'll just take one page at a time. thanks, Mary[/quote] If I may, a gentle reminder that Promising Practices was withdrawn and discontinued by BANA some time ago. So there is nothing to follow there. It is no longer approved and shouldn't be followed.