Style, thanks for your help. I didn't really appreciate the sarcastic comments from some of the others because I was just trying to find out the 'bottom line'. As Style said, if PIPS Inc. were sending out regular email updates / bulletins to it's members (which would only seem logical) then I would not even be in here looking for answers. At LEAST I know where I can come and find out something now. Thanks again for your support and honest answers. :) Blessings, - Wally -