[Lindsey]

Thanks again Gayle! I just told Scott everything I learned and he agreed... we're both still young and I want to travel, and he wants to still go on his winter snowboarding trips, and the longer we both wait the more we'll have paid off (his car, my college line of credit and motorbike)... and if things work out between us we may have the optioin of buying something nice together. And if it's not together, there may be other people in our lives by then. Eventually I'd hope to be married and then able to afford a nice family home on two incomes instead of just one.