I'll get to your question in a moment but I want to go one step further to show some of our current 'regulars' on the board A Blast From The Past. It's from an old Follow-upper on this board who has moved on. I found this one from Bruce M and think it is of some use to you. Read it a few times and be sure of what you're doing and your options. If this doesn't help, do say more and we'll go from there.