Wow! Thank you so much, @Deron and @Robat! I am blown away by the thoughtfulness and thoroughness of your responses.
Your information has been a great help. I have not read all of the articles referenced above, but I definitely plan to get through them all this weekend to see what else I can learn.
This information is so helpful, I think we should start a new thread with your responses in it.
Thank you again!
Jolly