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a few days late, but April 20 was the 19th anniversary for Benefits Link. at least, according to the coffee mug I received a few years ago. Thanks to all who have shared info. I certainly have learned a lot, not just from the answers, but from the questions themselves. Many force me to use that thing that is rusting away between my ears. I especially appreciate a numbers of friends, even if distant, who I have made through the site. by coincidence, my 5500th posting. That seems rather appropriate. Thanks again Dave!