Thanks for offering this possible work-around - except, I'm still not sure how to implement the changes I need to make.....i.e., how to effectively reduce my ac...

Thanks for letting me know about a possible work-around. Although I'm still not sure how it would affect my current dilemma. e.g., it still doesn't tell me how ...

Unfortunately, this response only adds to my confusion and frustration. It offers info that's not relevant and then sends me back to references that I've alread...