You're a new owner, latham, so be careful: there are owners out there who will try to scr*w you to give you the relief you seek. If possible, use it as a learning experience and do the best you can with what you have. If you really are up against it, and you can't find a sap in the avenues bjs describes, consider transferring $$ from Prospects. Not ideal, but it beats being shark chum.