hummmmmmmmm, I wish this was ALL explained earlier -- now I have almost ALL blocks ready except for the last 24, and if I had known this earlier, I wouldn't have enter this swap - being on social security only, funds are limited. I've never been involved in swaps b/4 and I guess I will not get involved again. Sorry. (ohyes, you could been a little more friendlier with your reply - I felt like I was slapped in the face with your answer and if felt like a smart-aleck answer.)