Don,

Paul pretty much hit it on the head. Stress level will be a little higher with balance sheets not looking as well as they have.

We sometimes have a way of beating ourselves up over decisions we make or things not in our control, the last thing I want to do is make comments on here that makes someone feel worse. There is room for constructive criticism and even some good nature d ribbing. Some people have a way of saying things that insinuate that a poster is dumb for asking a question.

Not everyone has grown up on a farm and has the same background, thus some questions may sound dumb but are just from lack of exposure to a certain situation.

John Phipps left us with a quote that he had read, "the three things to remember in life are, 1. Be Kind  2. Be Kind 3. Be Kind"

He said he has tried it and doesn't know if it has helped the ones he tried it on but does know it has made a difference in his life.

I am not a huge John Phipps fan but I thought that what he said was worth repeating.

Chuck