Rob:

I accept your perspective and will let things stand on your decisions- there seems to be a lot all of us don't know. We just need to go forward and try to makes things work out in the future. Business is bad enough and it is hard to turn down prospective money when offered.
Thanks for your input also- , it is always encouraged to assist with answers , as well as all others. It represents a learning opportunity to all of us, if we choose to use it that way.
Thanks, Steve