I’m really knew to this online thing. I’m going to school to learn it. I don’t have to explain anything to someone who doesn’t know me. I would think if your on a site like this you wouldn’t be so nasty to people you don’t even know. I’m also getting caught up with college. I used to sell insurance, I’m 40 and didn’t fall out of a truck, so I have two words NO ****. If I had the money for an independant insurance plan I would have done that. Maybe you should start taking care of your own life instead of hanging on a site that people really do need to be on and talking ****.