Once again, a big thank you to all who took the time and trouble to reply to my questions. You people who use, read, follow and answer questions from new applicants/beneficiaries are exceptionally kind and helpful. My fiancé and I will try to be more vigilant when our new application is sent off shortly; we will also follow the suggestions you made so that we don't become more frustrated than we already are. A SINCERE THANK YOU TO ALL. John