Thanks Jay and Adrian.

I've given it a lot of thought. Your input was (is always) helpful. I think that this is one of those rare instances that will allow me to do nothing at all, at present, without feeling guilty.

Remember the mid-80's when dealers were selling new Japanese vehicles for 10-20% more than sticker? In order not to pay that (you can't insure any $ over MSRP) I was on a waiting list for 8 months!

Thanks again, guys

Always call the place you live a house. When you're old, everyone else will call it a home.