<HTML>Joe, list, I have contact regularly with fellow guild members,for advice (both ways),and sharing ideas.I would be lost without this communication,and friendship.I think however that,with our busy schedules,it is easier to come home and get on the computer ,than fight for the phone with the kids, or get back in the car.Also to get a different perspective from various parts of the world,as to what's happening in our buisness. Best , Hazen Bannister </HTML>