on a more serious note, and i don't mean to sound pajorative, patience, patience. the SO will happen and if it is not forced it will be life changing. good luck......also, a word of caution to one with so much on the ball so far.....after you pay off the debt----stay out of debt. a very rich man said once," those who understand interest, collect it; those who don't, pay it." Did i mention he's rich?