Ck....I've been on the causative end of this delay early on in the swap....regretfully, d/t circumstances beyond my control. I felt terrible for it and found it personally very difficult to share my troubles with you all. I am praying that anyone going thru tough times rt now will reach out to us and let us support them. I have been lucky enough to have a new friendship form with Melinda b/c she reached out to me. She has big shoulders to lean on.