Colin, thanks for "learning from other's mistakes!" I find that I am truly learning from other's experiences here on VAF. I really appreciate the Master List, it's organization, her easy to manuever and professionally laid out web site, and blessedly, its reminder to have a back up VA and to put emergency preparedness plans in place. I had not thought about those very important measures at all! I cannot state it emphatically enough...but let me try to do so...
The excellent knowledge base

that is VAF:
ROCKS!