Hello BHW, glad to be here and ready to start a new chapter in my personal development. I am big believer in the value of knowledge, so I am not just here to make money (granted that's also high on the list of priorities). I have been on the back end of this business for the last 8-9 years, in processing, site building and banking end of e-commerce. I welcome all suggestions, ideas or just experience gained over the years. Thank you for letting me be a part of this group.