@Kamala Akhia Sakhet and @Dr Harriette Richard , I'm taking the plunge. I've spent a lot of time and energy preparing for this moment. I was just about to give myself another excuse: "I just started the expansion of my new business - cash is tight." "I'm having a new fence installed at my house. I ain't paid for that yet, either." The list goes on. But this time, I DECIDED that cash would not be my obstacle. I would not have been led TO this if I wasn't going to be led THROUGH this. So, beg, borrow, steal, I'm doing it FULL OUT. Thanks for your feedback, ladies!