Joker, I understand and am trying to follow the philosophy as you described. however, on top of that, I am trying to educate myself if this every comes up again. And, I have done a lot of research on this for the last week. There were some questions that what I deemed were the answers were just a little confusing and needed clarification.

Above all this, if someone in need (like I was) reads this post and can glean any help out of it, I feel like myself as well as everyone else who tried to help me out by answering my questions or referring me to other threads that I couldn't find on my own, may be helped also.

I know it appears that I am doing this because of my own insecurity, and that is probably the main motivational factor. But maybe someone else in a similar predicament could benefit from reading the answers to this situation and take appropriate measures to do the right thing. That's all. Thanks again.