Thanks so much, llecs, I appreciate ya & am glad to see you're still around the boards!  Things have been NUTS here lately, so I've hardly got time to catch my breath, let alone get on here as much as I desperately need to!  A couple of things have changed with regard to our credit, but I feel as though I'm starting at ground zero rather than picking up where I left off.

I know I've learned a lot here but still feel completely befuddled (when I look at our CR) about where to begin in order to be most effective.  Things have become so questionable with the economy, income, etc., that I feel like the house is on fire and am just praying it's not too late to fix this mess.

Okay, I'm done rambling (for the moment).

Thanks again!