Well I read it all and thankfully had talked to you on the phone about most of it because if Chad gave you a headache, you gave me one! I think I understand the generally gist of it and that I owe about half or maybe only $4 thousand of Mom and Dad's money!lol Just give me the total when it comes, and it's yours!!!! I'll be glad to have it over and DONE! Stick a fork!! We don't want to have them "broke" and needing tobacco and then figuring out who is going to buy it! That won't happen will it? NOT that I would care to buy tobacco or something but just the hassle of it for someone--meaning YOU Jeanie!lol It will be nice to have it over though whichever way it goes. Love to all, Judy