Please all of you on this forum, know that I 'lurked about' on this group for about 2 weeks before I posted any questions. For my part, the recent question/s posted by another new potential expat - though obviously frustrating to several of you - was what drew me to engage and ask my questions. It also reminded me to be clear in any background and specific in my questions - and to not roll them all into 1 gob. So, know that you impressed me with your intent to be of help. Thanks for your kind and helpful assistance, once we're back in Italia and we update our knowledge, we'll be joining the group on the your side of the table - the side that knows current stuff and is willing to share.