Thanks so much Lisa and James for the replies.

James, your advice on the checks was the answer I was hoping for. I tried to call my state's dept today but since it is close to Christmans, they blew me off. Also, when I go w/SBI, I am definately going through Lisa's site. She has been wonderful to me and really has taken the time to answer all of my questions. I really appreciate it.

I am looking to make the SBI purchase in January of Feb. I wanted to get in on that great deal from SBI but I have to reserve my money this month for Christmas presents. However, Lisa, I will post in the SBI forum the day before I buy it to let you know so you can reply to my thread with your referal key. Meanwhile, I am reading all the books I can. I saved most of my content for the site that I will develop on Word. I still have question about posting pics on SBI but will wait to cross that bridge when I come to it .

Happy Holidays