That makes sense @eoj, and I hear you loud and clear on the whole bot thing. I dabbled a bit, but felt icky afterwards. It felt like I was wrapping up and then opening my own birthday presents :)
Thanks for the tip on health care too! My mother calls me a gypsy, so you never know where the wind might take us next 😎
Ha, well put! I've never heard it put that way, I love/will steal the present analogy!!
hahaha feel free to :)