Greetings! As requested by several of you - I'm going to go ahead & close this thread. If you're still looking for information regarding this topic - please read back through the last few pages to see my original responses as well as Daniel Madison's post.
I am closing this thread because I see that some of the posts are starting to turn into personal attacks - and this thread is beginning to go in circles (people asking questions that have previously been answered earlier in the thread).
If you feel that there is more that needs to be discussed regarding this topic - please feel free to begin a new thread, but before you do PLEASE read through this thread to see what has been posted & take a look at the questions that have already been answered. Thanks guys!