Stephen writes:
 
>I'll venture to answer some of these questions.  I'm sure Keith will
>correct me where I've erred :-).
 
Stephen's post gets an official TCHCR seal of approval for its accuracy
and informativeness. Thanks, Stephen!
 
This is why I spent so much time explaining TCHCR last year--now I can
sit back and relax while others do the work for me.
 
Keith