Lorna,

I've wanted a plate of your cookies for so long now... chocolate chip would really hit the spot.  Thanks for the warm welcome.

Coy,

I've seen posts of that nature (dead forum), but i prefer a quiet pub to a nightclub any day!  Plus, this is the friendliest board on here with some of the most sound advice.

 All,

I will be posting some questions about my portfolio: asset allocation, ESA vs. 529, etc. in new threads soon and would appreciate any comments, criticisms, suggestions.
Again, thanks.