I posted about a true life situation on the LA board and not sure how to best get it here without re-doing that post which was rather extensive.  So I'm hoping you'll check it out as I would like to hear what as many think about this as possible.  I would also welcome private e-mails either through TER or through my website address which is [email protected] if you rather not post a response in this more public forum.  Thanks for your input!