What I was saying before I hit the wrong key, can we not have a swap with no limitations and EVERYONE who signs up is not pressured to overspend, but are joining to have the pleasure of being able to share in getting to know someone a little better. After all once a year for those with limited funds is easier than 3 or 4 times thru nsssf.
Just my thoughts,
((hugs!))
OKC Dave
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