Hi Speed, no need for any type of apology and certainly no sore spot irritated. We all have our "look what I done" stories that would fill volumes but should they be posted to ensure others look at us favorably? Not really. I've done very similar over the years with of all people "insurance companies". I've actually refunded monies to these crooked, greedy pieces of shit because they overpaid, or paid incorrectly for goods/services that were rendered. That in itself does not make me a good person but it is good business, and my motivation. If I find a wayward twenty dollar bill in the street, no doubt it's going in my pocket unless there is resonable assurance the proper owner can be found. I actually may not keep it, but forward onto a homeless shelter I support, (which also does not make me a good person). I live life trying to get by. Sometimes I help others, sometimes I don't. I'm a strong believer in "paying it forward" because in the end, there is nothing to make up as the stage has already been set for your arrival. How you lived your life will reflect on your spirit. Rob