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Roy
 
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>Well, heck, Roy, if you really want to simplify things for all
>of us, why don't you put up a simple web site?



>Maybe here and there a little interactive spread-sheet
>calculator? Like at http://samartha.net/SD/, for instance.


Thanks for the suggestion Dick....
But I am not always staying on one place .,most of the time.......
.....Indeed ......I had been mulling of creating my own website ....but
definetely not now.... Maybe in the future. when I stop travelling
..... besides, currently I prepare all my electronic communications
including post to any group in my laptop- ( or a desktop replacement
system if you call it<g>) and just connect to the internet when I want
to ...
Roy