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Thanks for the heads up.  Some days I have a lot more blogs going that I should and I lose track of whether I am replying to email, posting on AutosandEconomics, TTAC, FB,DS, and a host of others.  In my spare time a try to write columns and have a life.  Until some health issues took me off the road, I visited hundreds of auto dealers and lenders.  Each of these venues has somewhat different formats.  I generally go with what I can figure out the quickest.  TTAC drives me crazy.  I see the "Reply" button and will try to remember to use it.