[lrjohnson]

Jeffrey-thanks, that was a "d'oh" moment. Another example of me being fine with frugality material but freezing up with the investment area. I will follow the detailed instructions above. It may be more complicated than the ING bonus, but doing the easy thing has been getting me just over 1% on my money, so it's about time I do the harder thing. Thanks again for your patience. If I have 25 invites, I know I'd never use more than 5 so I may try to figure out a way to give you a lot more than 2 invites.