I'm not sure really what I saved by waiting until now to finalize everything. I could just kick myself! Now I have to write checks and rush off to the post office and compete with the other sorry saps who did the same thing I did in waiting until the last minute. At least then it will be done and out of my hair, I guess. I've come to the conclusion that I've really got to figure out a way to break my procrastination habit. I'll get right on that later.