I'm a stay at home Mom of two boys (Buster 12, Jack 11) and a girl (Nermi 2). We also have two adult daughters (Amanda 26 and Jeri 24). My husband and I will be married 7 years in May. We're both native Texans, currently living in Central Texas. My 17 yr career as a loan officer (mortgage lending primarily)came to an abrupt and unexpected ending in 2002 due to medical reasons. I still struggle with the loss of my professional identity. Boo-hoo for me, right? Somebody say...GET OVER ALREADY!! Okay ladies and Gentlemen, we'll be taking questions for the next 10 minutes. Please make them brief, as we'd like to answer as many of them for you as we can.

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