[davidw]

I don't often contribute to this board, but usually find some time to check in on a reg. basis and find it very useful. So I thank each of you who have taken the time to comment and allow the rest of us additional learning opportunities.

IMO, this thread has been an excellent example of taking a subject (and in this instance, imo, a very important one) and examined it from almost every angle possible. Hopefully we have all gained additional info. that will allow us to perform our job more proficiently and professionally.

Bob's last comment, I think, was right on and an excellent clarification of the apparent disagreement.