I found that pp comment offensive, and I noticed someone else did too. Thank you for apologizing on behalf of the board. That was really good of you.
In other news, I wish I had found you in 2003 before DH and I had to get a new car (the other one literally broke on the highway and was beyond repair). Our credit sucks (am working on it now!) and we have a $429 car payment from Americredit on a 2004 Corolla. We've never been late with Amercredit and I'm grateful to them for taking a chance on us, but man! that car payment hurts!
Anyway, thanks again.