Thanks everyone for the kind comments. I've sent PM's to a few that had questions. I am also taking an informal poll on the board to see if a "method" from a book can be shared without breaking any rules (board or legal!!). If the concensus is that I can share ... I will.
Hmmm ... I can also ask my attorney at work. She specializes in risk management, but delves into intellectual matter quite a bit too.