I think I've come to the conclusion(still debating in my mind), it would come out better to spread the expense out over time...199.00 now & another 199.00 later...I just have to hope that "later" isn't next week, but next month. ACKKKK...I hate having to make these decisions, as V5 still isn't working all that great for me at the moment....CRIPES LOL Takes a couple more hours to ponder this.