Thank you, Sooner and Christine. I am sorry to hear about your insurance difficulties, Sooner. We are fortunate in that my husband works for a large company with many offices around the country, so the places that I've checked appear to be covered. But in general insurance stinks in this country. I know my parents' insurance coverage is pretty regional, which means they couldn't move away if they wanted to (at one point they were thinking about moving out here to be near their grandchildren).