<p>I’m with sonasmi. This thread is awesome! Brilliant analysis by the OP. </p>
<p>I, like sonsasmi, find myself browsing through the clearance racks. I don’t post often as I often don’t have answers for people. A few of my kids are in college already, but we didn’t go through the angst that some here seem to go through. For us, the process was very simple and straightforward. But I am addicted to reading here and I refer people here all the time. This is a great place to hang out!</p>