Thanks to everyone for this information.
(Including Norman and Lynda and all their exclamation points.)

For once I decided to do my homework rather than just hitting the reply button. Glad I did! (I beleive that's a legitimate exclamation point.)

In fact, I think I'll sign up with Mudcat to stay involved with and be supportive of this wonderful community of musicians. (I checked - you definitely have a web presence.)

Here's to all of us hard-working musicians - cheers!
Lojo