Thanks, that's good information. I will give that a try. We want the best for our kids. If I look back, my parents were clearly better off than their parents, even with college. My family enjoyed a bit higher standard than did my parents. I graduated from college, but to my parents that was not important for my two sisters. Four of our five children graduated, yet they struggle to find parity and the financial security of my wife and I. It was once expected that one generation would find more success than the previous generation, but that seems to be gone. It’s hard to see your children struggle. Of our kids five families, we have supported one of them to keep them afloat. It would be tragic if we were not in a position to help.