[emamasa]

wow, that is exactly what i needed to find out!! thank you so much! I just had this discussion with DH's mom (she has power of attorney for his grandpa). she was asking me what we should do about it all. I will pass this info on to her. she did say we should use it every year - no one else in the family will use it. i'll ask her to do this and then we'll be set! thanks!!!!!!