Dear Alan, >> Is this reason for this what I thought it was as it gives you time to adjust to the increase? << Yes. :) My best to you, :) Rawn Clark 23 Sept 2003 rawnclark@... rawn@... http://www.ABardonCompanion.com http://groups.yahoo.com/group/BardonPraxis http://E.webring.com/hub?ring=arionthebardonwe