Thank you for this information, Dougie. I believe I'd seen this site (and article) a little while ago, and I found it really helpful. I then somehow, with all that's been going on, managed to "lose the site" or to "lose the memory of the article having ever been there". So, Thanks! for bringing it back to my attention! I already know it will be very helpful in many different ways, both to me, and to some of the people who are in my life. Best to you, Laura.