Thank you Alix,

My Ins. goes up to  a Million also.  Sounds like these can be pretty risky searches for sure.  I am seriously going to rethink this product before offering it.  I have not had a huge demand asking for it as of yet but wanted to try and find out if it is something I would like to incorporate.  So far, not real appealing. haha.    

Thank you so much for your help and information as well and your time.

Lorri Eaton