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Hi Fran and Listmates,
     Well, I confess I am more of a lurker than a participant on the list.
Yes, time is a factor.  It seems by the time I read the questions, concerns
the best I could offer is a "me too" which isn't all to helpful.  The other
thing, someone mentioned they generally answer privately.  I do that as well,
most lists are so big that it saves that all important bandwidth or whatever!
Maybe on this list it would be helpful to all to answer everything TO the
list.  Don't know, just my 2 cents worth.   Poppy