Alright, I decided to just post the link. My inbox is full cuz of you guys. lol go to http://www.finance0.com and click on the top post's link that starts with the word "Benefits" I'm no longer paying since I've had some many generous members do it for free. But if you want to click it for me anyway and give me more data (always helps), feel free to do so. Thanks to whoever has helped!