I, TOO, HAD SOME DIFFICULTY DOWNLOADING IT,BUT ONCE FINISHED, IT SEEMS TO BE ALL I NEED AT THIS TIME FOR WHAT I HAVE,APPROX 1500 CHIPS. HAVEN'T HAD ALOT OF TIME TO CRITIQUE IT ENOUGH TO MAKE INTELLIGENT SUGGESTIONS, BUT I CAN INITIALLY SEE THE VALUE IN THE SUGGESTIONS CHARLES HAS MADE. I PERSONALLY THANK YOU FOR SHARING IT WITH ME.