Ron, it sounds strange, but we are all receiving mail from our homeowner's insurance suggesting that we buy flood insurance... We are at sea level, 4 miles from Long Island Sound (which is actually the Atlantic Ocean). The only thing which could flood us would be a tsunami -- ok, we actually did have a small but audible earthquake about 10 years ago, so who knows? Perhaps we will suffer a tidal wave? Penny, NY . ________________________________________________________________ GET INTERNET ACCESS FROM JUNO! Juno offers FREE or PREMIUM Internet access for less! Join Juno today! For your FREE software, visit: http://dl.www.juno.com/get/web/.