Thank you both for your replies and encouragement. I am proud of myself for making it as far as I did. And next year will be a very sweet victory when I cross that finish line. This at least showed me what I need to work on, and in next couple of days I'll do my personal 'annual planning' to sit down and figure out what worked, what didn't, and what to do to improve. This site has been so wonderful to read and learn from and I'm glad I found it and the community when I did.