As per my first reply to you, please do check the Forum FAQ (second thread listed on this forum and it always remains there). In the FAQ, there are links to two previous discussion threads on this topic.
Thanks for your contribution onthefly1, I hope that you stay with us. In discussions, when reading the replies, bear in mind that some of the folks who post in here can 'shoot from the hip'! So keep your seat belt fastened at all times...