I've had to freeze my mortgage to be honest. For 6 months. Fortunately my bank permitted it; Some have not. It's been hard for many, and yet strangely not so much for others. Weird times. I'm working, but on reduced pay. As is my wife. Been a bit tight.

You're welcome, I always reply. Engagement is so important. I like learning new stuff and what better way than to engage here and shoot the breeze? The time difference sucks but it is what it is. Almost midnight here...Work tomorrow and all...I comment a lot though and enjoy doing so. Always get back to people even if it's delayed by the time lag and being asleep. Lol.