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Covenant Bible College - Gift Acceptance Guidelines Giving to CBC | Contact Us Home The CBC Experience CBC Canada CBC Colorado CBC Ecuador Admissions Alumni Beyond CBC The Worship Center Gift Acceptance Guidelines Covenant Bible College, a not-for-profit organization organized under the laws of the State of Colorado and recognized as a charity in Canada, accepts gifts to Covenant Bible College and Covenant Bible College Foundation (hereinafter referred to as CBC) for purposes that will help CBC to further and fulfill its mission. The following policies and guidelines govern acceptance of gifts made to CBC or for the benefit of any of its programs. The mission of Covenant Bible College is to equip men and women to live as disciples of Jesus Christ. Purpose of Policies and Guidelines The Board of Directors of CBC and its staff solicit current and deferred gifts from individuals, corporations, and foundations to secure the future growth and missions of Covenant Bible College. These policies and guidelines govern the acceptance of gifts by CBC and provide guidance to prospective donors and their advisors when making gifts to CBC. The provisions of these policies shall apply to all gifts received by CBC for any of its programs or services. Use of Legal Counsel Covenant Bible College shall seek the advice of legal counsel in matters relating to acceptance of gifts when appropriate. Review by counsel is recommended for: Closely held stock transfers that are subject to restrictions or buy-sell agreements Documents naming CBC as Trustee Gifts involving contracts, such as bargain sales or other documents requiring CBC to assume an obligation Transactions with potential conflict of interest that may invoke IRS (Internal Revenue Service) or CCRA (formerly "Revenue Canada") sanctions Other instances in which the use of counsel is deemed appropriate by the Gift Acceptance Committee Conflict of Interest CBC will urge all prospective donors to seek the assistance of personal legal and financial advisors in matters relating to their gifts and the resulting tax and estate planning consequences. CBC will comply with the Model Standards of Practice for the Charitable Gift Planner promulgated by the National Committee on Planned Giving (for US gifts) and the CICA (Canadian Institute of Chartered Accountants) Handbook. Restrictions on Gifts CBC will accept unrestricted gifts, and gifts for specific programs and purposes, provided that such gifts are not inconsistent with its stated mission, purposes, and priorities. CBC will not accept gifts that are too restrictive in purpose. Gifts that are too restrictive are those that violate the terms of the corporate charter, gifts that are too difficult to administer, or gifts that are for purposes outside the mission of CBC. All final decisions on the restrictive nature of a gift, and its acceptance or refusal, shall be made by the Gift Acceptance Committee of CBC. The Gift Acceptance Committee The gift acceptance committee shall consist of the members of the CBC Foundation board. Ex-officio members shall include the Executive Director of the CBC Foundation and the President of the College. The gift acceptance committee is charged with the responsibility of reviewing all gifts made to CBC, properly screening and accepting those gifts on behalf of CBC, and making recommendations to the CBC International Board on gift acceptance issues when appropriate. Types of Gifts The following gifts are acceptable: Cash Tangible personal property Securities Real Estate Remainder interests in property Oil, gas, and mineral interests Bargain sales Life insurance Charitable Gift Annuities (US-source income; through CTC) Charitable Remainder Trusts Retirement Plan Beneficiary Designations Bequests Life Insurance Beneficiary Designations The following criteria govern the acceptance of each gift form: Cash Cash is acceptable in any form. Checks shall be made payable to Covenant Bible College or Covenant Bible College Foundation or to any CBC campus. Loose change (offerings) shall be collected and recorded according to cash handling procedures. Tangible Personal Property All other gifts of tangible personal property shall be examined in light of the following criteria: Does the property fulfill the mission of CBC? Is the property marketable? Are there any undue restrictions on the use, display, or sale of the property? Are there any carrying costs for the property? The final determination on the acceptance of other tangible property gifts shall be made by the Gift Acceptance Committee of CBC. Securities CBC can accept both publicly traded securities and closely held securities. Marketable securities may be transferred to an account maintained at one or more brokerage firms or delivered physically with the transferor's signature or stock power attached. As a general rule, all marketable securities shall be sold upon receipt unless otherwise directed by the CBC International board. In some cases, marketable securities may be restricted by applicable securities laws; in such instance the final determination on the acceptance of the restricted securities shall be made by the Gift Acceptance Committee of CBC. Closely held securities, which include not only debt and equity positions in non-publicly traded companies but also interests in LLPs and LLCs or other ownership forms, can be accepted subject to the approval of the Gift Acceptance Committee of CBC. However, gifts must be reviewed prior to acceptance to determine that a) there are no restrictions on the security thatwould prevent CBC from ultimately converting those assets to cash, b) the security is marketable, and 3) the security will not generate any undesirable tax consequences for CBC. If potential problems arise on initial review of the security, further review and recommendation by an outside professional may be sought before making a final decision on acceptance of the gift. Professionals at the Covenant Trust Company and National Covenant Properties may be consulted in these matters. The final determination on the acceptance of closely held securities shall be made by the Gift Acceptance Committee of CBC and legal counsel when necessary. Every effort will be made to sell non-marketable securities as quickly as possible. Real Estate Gifts of real estate may include developed property, undeveloped property, or gifts subject to a prior life interest. Prior to acceptance of real estate, CBC shall require an initial environmental review of the property to ensure that the property has no environmental damage. In the event that the initial inspection reveals a potential problem, CBC shall retain a qualified inspection firm to conduct an environmental audit. The cost of the environmental audit shall generally be an expense of the donor. When appropriate, a title binder shall be obtained by CBC prior to the acceptance of the real property gift. The cost of this binder shall generally be an expense of the donor. Prior to acceptance of the real property, the gift shall be approved by the Gift Acceptance Committee of CBC and by CBC's legal counsel. Criteria for acceptance of property shall include: Is the property useful for the purposes of CBC? Is the property marketable? Are there any restrictions, reservations, easements, or other limitations associated with the property? Are there carrying costs, which may include insurance, property taxes, mortgages, or notes associated with the property? Does the environmental audit reflect that the property is not damaged? Remainder Interests in Property CBC will accept a remainder interest in a personal residence, farm, or vacation property subject to the provisions of the Real Estate section above. The donor or other occupants may continue to occupy the property for the duration of the stated life. Generally, the occupant would agree to pay for the utilities supplied and the maintenance of the property during the occupancy period. CBC would be responsible for insuring the property and for taxes. At the death of the donor, CBC may use the property or reduce it to cash. Oil, Gas, and Mineral Interests CBC may accept oil and gas property interests, when appropriate. Prior to acceptance of an oil and gas interest, the gift shall be approved by the Gift Acceptance Committee, and if necessary, by the Foundation's legal counsel. Criteria for acceptance of the property shall include: Gifts of surface rights should have a value of $20,000 or greater. Gifts of oil, gas, and mineral interests should generate at least $3,000 per year in royalties or other income (as determined by the average of the three years prior to the gift). The property should not have extended liabilities or other considerations that make receipt of the gift inappropriate. A working interest is rarely accepted. A working interest may only be accepted when there is a plan to minimize potential liability and tax consequences. The property should undergo an environmental review to ensure that CBC has not current or potential exposure to environmental liability. Bargain Sales CBC will enter into a bargain sale arrangement in instances in which the bargain sale furthers the mission and purposes of CBC. All bargain sales must be reviewed and recommended by the Gift Acceptance Committee and approved by the CBC International Board of Directors. Factors used in determining the appropriateness of the transaction include: CBC must obtain an appropriate independent appraisal substantiating the value of the property. If CBC assumes debt with the property, the debt ratio must be less than 50% of the appraised market value. CBC must determine that it will use the property, or that there is a market for sale of the property allowing sale within 12 months of receipt. CBC must calculate the costs to safeguard, insure, and expense the property (including property tax, if applicable) during the holding period. Life Insurance CBC must be named as both beneficiary and irrevocable owner of an insurance policy before a life insurance policy can be recorded as a gift. The gift is valued at its interpolated terminal reserve value, or cash surrender value, upon receipt. If the donor contributes future premium payments, CBC will include the entire amount of the additional premium payment(s) as a gift in the year that payment(s) is/are made. If the donor does not elect to continue to make gifts to cover premium payments on the life insurance policy, CBC may a) continue to pay the premiums, b) convert the policy to paid up insurance, or c) surrender the policy for its current cash value. Charitable Gift Annuities CBC is not licensed to offer charitable gift annuities. Donors with US-sourced income may establish gift annuities that benefit CBC through the Covenant Trust Company. Charitable Remainder Trusts CBC may accept designation as remainder beneficiary of a charitable remainder trust with the approval of the Gift Acceptance Committee. CBC will not accept appointment as Trustee of a charitable remainder trust. Under Canadian law, a charitable remainder trust is an irrevocable trust where the capital beneficiary is the charity. Canadian tax law is different than US tax law in relation to the tax treatment of gifts of a residual interest to a charity. In both countries, the donor is considered to have made a gift of the residual interest in the trust. However, a transfer of appreciated capital property to such a trust would result in a capital gain on which the settler would be taxed in Canada, whereas no tax would be payable in the US on a transfer of long-term capital gain property. The value of the property passing to the charity on the death of a US settler would be added to the taxable estate of the US settler, but a full deduction would be allowed for estate tax purposes. This no income or estate tax is payable in connection with a transfer of an appreciated long-term capital gain property to a charity for US tax purposes. Charitable Lead Trusts CBC may accept a designation as income beneficiary of a charitable lead trust. CBC will not accept an appointment as Trustee of a charitable lead trust. Retirement Plan Beneficiary Designations Donors and supporters of CBC will be encouraged to name CBC as beneficiary of their retirement plans. Such designations will not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Bequests Donors and supporters of CBC will be encouraged to make bequests to CBC through their wills and trusts. Such bequests will not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Life Insurance Beneficiary Designations Donors and supporters of CBC will be encouraged to name CBC as beneficiary or contingent beneficiary of their life insurance policies. Such designations shall not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Miscellaneous Provisions Securing appraisals and legal fees for gifts to CBC It will be the responsibility of the donor to secure an appraisal (where required) and independent legal counsel for all gifts made to CBC. Valuation of gifts for development purposes CBC will record a gift received by CBC at its valuation for gift purposes on the date of the gift. Responsibility for IRS and Filings upon sale of gift items The Gift Acceptance Committee of CBC is responsible for filing IRS Form 8282 upon the sale or disposition of any asset sold within two years of receipt by CBC when the charitable deduction value of the item is more than $5,000. CBC must file this form within 125 days of the date of sale or disposition of the asset. Acknowledgement of all gifts made to CBC and compliance with the current IRS and CCRC requirements in acknowledgement of such gifts shall be the responsibility of the Board of Directors of CBC International. © 2005, Covenant Bible College. All Rights Reserved.
Unique Gifts For Any
Collectible World Studios - Unique Gifts, Figurines & Home Décor newsletters about us artists affiliates contact us shopping help home Cookies Required You appear to have Cookies disabled, please click here for instructions on how to enable them. You may need to close and re-open your browser to remove this error message once you have made the necessary changes. sign in my account shopping help search Your Basket Items: 0 Total Price: (inc Vat) £0.00 view basket store locator newsletters factory shop affiliates The new shopping experience and Aladdin’s cave for presents and gifts at Wetheriggs Pottery. New Gift Ranges Now Available: New Gift Ranges Coming Soon: Unique Gifts For Any Occasion: Me to You Adorable Tatty Teddy figurines and giftware from the Me to You store. Piggin’ Humorous pig gifts and collectible pig figurines. Ideal gifts for pig lovers. Pocket Dragons The whimsical world of Pocket Dragons - an international collectible. CowParade Colourful CowParade figurines - sculptures based on cows from parades Worldwide. Friendship Ideal bronze finished figurine gifts for friends, family and that special someone. The Fairy Way Highly detailed fantasy figurines depicting fairies amongst wild life. Creature Comforts Collectable figurines based on the hit TV series by Aardman animations. WhimsiClay Collectible fancy felines and mouse figurines - ideal gifts for cat lovers. Just The Right Shoe Collectible Shoe Figurines. > UK Retirement Announcement > View The Range Home Décor Ranges: Alexandria's Lamps Colourful crafted glass fragrance lamps. Popp Rivet Garden Outdoor sculptures and garden accessories - unique giftware. Friendship Home New to the Friendship collection is a unique range of home decor items. Metal Urges Hand crafted steel wire-frame baskets and sculptured candleholders. About Collectible World Studios: Here at Collectible World Studios we produce high quality collectible figurines, sculptures and home décor ranges. Some so unique, whimsical, or humorous they are hugely popular with their own collectors clubs. Others are selected as African gifts, Oriental gifts, romantic gifts, or lifestyle gifts of distinction. Maasai Tribe Sculptures based on the unique ways of life within the Maasai Tribe. Also featuring a unique range of home décor - ideal African gifts. Spirit Song The Spirit Song range of bronze, steel and copper finished figurines are beautifully detailed and make an impressive statement when displayed around the home. The Silk Road Elegant sculptures featuring precious gem stones, inspired by an oriental trading route; the Silk Road - perfect oriental gifts. The Soul Journeys range of African, Oriental and spiritual collectables make unique gifts for special occasions. Popular presents for weddings, birthdays and anniversaries, they truly are romantic figurines. The new Maasai Home décor range also makes an artistic house-warming present, ideal for anyone looking for an African theme from unique tribal gifts. Store Locator © Collectible World Studios Limited 2004
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Gifts for Men and Gifts for Women | Xmas Gifts Login Register Help Unique Gifts for Men and Women Hard2Buy4 helps you find unique gifts for people who have everything. We've found gifts for men ranging from Ferrari driving to virtual reality goggles and gifts for women from celebrity fashion to a belly dancing lesson . Whatever his or her tastes we've searched to net to find the best gifts so you can quickly browse and search over 83,000 Gift Ideas . We don't sell any of the gifts, we just help you buy better gifts in less time . Best Selling Gifts for Him and Her Unicycle 85 From Alt Gifts TV Watches 129 From I Want One of Those Chocolate Fondue Fountain 50 From Alt Gifts I-Dog 29.95 From Firebox Double Sided Wire Game 7.47 From Gadget Storm Desktop Star Wars Cut-outs (Set of 4) - Save 5 12.95 From Boysstuff Robopet 59.95 From Boysstuff Giant Inflatable Boxing Set 19.95 From Boysstuff Poker Table 49.99 From I Want One of Those Talking Dalek 25 From Alt Gifts Wild Sling Water Bomb Launcher 15 From Alt Gifts Darth Mask With Voice Changer 32.99 From I Want One of Those Roulette wheel - starter set 24.95 From Gadget Storm Shocking Tanks 39.99 From I Want One of Those Belly Button Brush 10 From Alt Gifts Star Wars Saga Edition Trivial Pursuit 44.95 From Boysstuff See The Top 50 Gifts Menu Activity Gifts Driving Days Fashion Accessories Food and Drink Gadgets Health and Beauty Hobbies Home & Garden Gifts Ladies Fashion Menswear Popular Gifts Sex Toys Sporty Gifts Technology Unique Gifts Whats New The latest hot gifts Inflatable Football Chair 11.95 Talking Doll Daffyd 19.95 Talking Doll Vicky Pollard 19.95 Voodoo Knife Display 59.95 Reindeer Adoption Experience 52 Celebrity Hamper with a Helicopter Thrill X774 89 Times Past Hamper with a Steam Train Journey for Two X772 149 Indulgence Hamper with Champneys Spa Day X770 165 Best of British Hamper with London Eye Trip and River Cruise for Two X768 149 More New Gifts Gifts Search Popular searches Gift Guides Gifts 4 Men Gifts 4 Women Anniversary Gifts Traditional Gifts Birthday Gifts Wedding Gifts Valentines Gifts Valentines Gifts Fathers Day Gifts -- Halloween Gifts Xmas Gifts for Men Xmas Gifts for Women Shops Directory Offers and Sales Top 50 Gifts New Gifts Popular Gift Ideas Off Road Driving Romantic Experiences Very Unique Animal Encounters Classic Car Driving Drinking Gifts Flying Thrills Health Spa Remote Control Toys Romantic Gifts Super Car Driving Unique Experiences Unique Gadgets Wining and Dining New Technology Sunglasses MP3 Players Halloween Gifts Remote Control Cars Adrenalin Experiences Gifts On Sale There are 2113 products currently on sale from 9 shops! More Special Offer Prezzy Box 5 off! Receive a 5 gift voucher when you register your details with Prezzybox. Save Now! More Offers 1999 - 2005 Hard2Buy4.co.uk, part of Invendium Ltd Help Contact Terms of Use Privacy Bookmark Us Partner Links Feedback Report an Error List Your Site
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Best Birthday Present Ideas & Birthday Gift Suggestions - Children'sBirthday Presents - Best Birthday Present Ideas Birthday Present Ideas - Birthday Gift Recommendations Looking for the ideal Birthday present? This page links you to some of the best and most innovative birthday gift ideas online. Looking for children's toys? Click here for John Lewis or here for Woolworths. The secret to a good birthday gift is taking the time to get something the person really wants or would appreciate. Don't always pick the obvious and look to make someone happy. Remember there isn't a formula, whilst a trip to Paris on Eurostar may hit the spot for some of us, others may prefer a beautiful bouquet . If you want to know what presents are hot for big boys try visiting the Boys Stuff website or for girls the Girls Stuff website. If you are looking for inspiration follow the banners further down the page. If you know what you are looking for try these links: Gift Suggestions & Recommendations Flowers and Champagne - Add something to every occasion Gift Certificates - Amazon's gift vouchers are amongst the most popular gifts on the WWW Boys Stuff - Great gifts, gadgets and present ideas for grown up and not so grown up boys Books and DVDs - Fiction, non fiction, reference works, technical manuals. Clothes for Her or Him - Designer labels for every occasion Harrods - The place for great gifts Magazine subscriptions - Almost every subject covered, a present that lasts all year. Wine - Spoil someone with a few bottles of their favorite tipple Thanks Darling specialise in all types of gift activities, driving, outdoors, wining & dining and much more as well as the more traditional gifts such as champagne, flowers, chocolates, gadgets and big boys toys. Ipod, IPod Mini, IPod Shuffle, IPod Limited and Itunes, the hottest gifts around. Gadget Stuff, original, innovative, presents that get people excited. Do you know somebody who has always wanted to drive a tank, race a rally car, sky-dive from 10,000 feet or spend a weekend being pampered at a top health spa? Everybody does! Boots.com are one of the leading gift retailers. They stock over 12,000 items, including Boots' exclusive brands and virtually all Boots' seasonal gift range. They also sell products not available in store. Amazon sell more than just books, they have one of the biggest and best present and gift selections on the web. At Amazon you'll find the web's best prices on thousands of items like; handhelds & PDAs, digital cameras, every genre of music, videos, DVDs, home & business software, health & beauty products, gift sets, toys, console games and much more. Heals have recently revamped the gift pages of their website. They have hundreds of gift suggestions for birthdays and anniversaries in categories like; Elegant Ideas, Food & Drink, Games & Gadgets, Stationery, Stocking Fillers, Toiletries, For Him, For Her, For Kids & Gift Vouchers Great looking underwear for men and women always makes a welcome gift but make sure you get the sizes right. Figleaves offer over 100 leading brands - including Gossard, Wonderbra, D&G and Janet Reger - fast, free delivery, no quibble free returns, gift wrapping and personalised messaging. A member of the Which Webtrader Association. John Lewis has literally thousands of gift ideas for almost every occasion. Just try the search engine to see. Hundreds of gift ideas at Comet; Goodmans LCD TV, JVC DAB micro hi fi system, Robosapien, Navman PIN pocket PC, Fajita sizzler, Kenwood smoothie maker, 40 Gb iPod, Xbox Crystal, Scalextric road rivals, Remington hair straighteners, Massage chair & many many more suggestions on the website Yves Rocher is the 1st in botanical cosmetics in the world, 100% natural products and non-tested on animals. More than 800 beauty products on-line, as well as new products every month, a newsletter sent every month to our ever increasing database of customers Please refer to our disclaimer , Yourcounty does not have any responsibility for the content of external websites. * Details correct at the time of publication, for the latest information confirm directly with the retailer. Some offers are limited and terms and conditions may apply. Price reduction shown may be sale price, reduced web price or alternative offer. Yourcounty recommended and suggested products are provided for information purposes as a consumer guide. They do not constitute a product endorsement or guarantee, rather an opinion based on our market knowledge. Yourcounty' Best Buys' are defined as products that we feel offer particularly good value taking into account a wide range of factors; they are not necessarily suggested on price issues alone. Although they will generally be very competitively priced against other similar products on a like for like basis. Consumers should always check details with retailers prior to purchase and compare prices personally. www.yourcounty.co.uk
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Unique Gifts & Home Decor - Gift Ideas for Birthday Gifts, Wedding Gifts and Anniversary Gifts Unique Gifts & Home Decor - Birthday, Wedding and Romatic Anniversary Gift Ideas Cart Departments Unique Gifts Gifts For Him Gifts For Her Pet Gifts Wine Gifts Baby Gifts Home Decor Tapestries Bath Products Kitchen Olive Oil Bottles Fashion Accessories Jewelry Also Available New Products Hot Sellers On Sale Estate Sale Gift Wrapping Gift Certificates Online Catalog Gift Search Gifts By Brand Caldrea Cypress Home Glass Act Isabella's Journey L' Erbolario Lady Jane Plum Creek Santa Barbara Gift Departments Home Decor Tapestries Bath Products Unique Gifts Wine Gifts Pet Lover Gifts Dog Lover Gifts Cat Lover Gifts Jewelry Kitchen Items Olive Oil Bottles Handbags Fashion Baby Gifts Gifts For Him Gifts For Her New Products Hot Sellers On Sale Clearance Gift Certificates Resources L' Erbolario Beauty Tips Host a Wine Tasting Party Olive Oil Facts & Tips Advertise on Paisley Creek Fax Order Form Site Map Link Exchange Links Tired of Spyware? Try CounterSpy Welcome to Paisley Creek's Online Gift Shop Sign in to make shopping easier. New visitor? Start here. Pamper yourself with our unique gifts, elegant home decor, wall decor, wrought iron accents, sterling silver, crystal jewelry and fashion jewelry, gourmet and country kitchen decor, Isabellas Journey handbags, kitchen accessories, bath and body products, perfume bottles, olive oil bottles and dipping sets, Caldrea products, wine bottle holders, baby gift ideas, wine gifts, cat lover and dog lover gift ideas. Shop our online gift ideas for wedding gifts, birthday gifts, anniversary gifts, holiday gifts, corporate, bridesmaid, teacher and romantic presents. Unique Gifts and Online Gift Ideas Romantic Anniversary, Wedding and Birthday Gifts Shop our great gift ideas at Paisley Creek. For example, escape to the wine country with the great food, wine, and music from this wonderful Menu and Music Tasting the Wine Country Cookbook and Music Set! 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For some helpful hints, additional olive oil information and one bread dipping recipe, click Olive Oil . Kitchen Accessories and Decor Caldrea, Cypress Homes and Santa Barbara Ceramic Design Products, Serving Trays, Trivets, Coasters, Wine Bottle Holders and other Kitchen Accessories Shop online for our unique kitchenware, housewares, accessories and kitchen decor. Caldrea products to freshen your home. Santa Barbara Ceramic Designs and Cypress Home products, like this rooster serving tray, will add charm to your french country kitchen. Find great gift ideas and country kitchen decor onlinefor your home in our Kitchen Accessories shop. Sign up for our periodic Paisley Creek Newsletter Your Privacy is always protected. Paisley Creek Home Decor, Unique Gifts, Bath Products, Gift Ideas, Fashion Jewelry, Kitchen Accessories Home Decor and Accents | Tapestries | Bath, Body and Beauty Products | Kitchen Accessories Unique Gifts and Gift Ideas | Pet Lover Gifts | Wine Gifts | Gifts for Her | Gifts for Him Fashion Jewelry | Olive Oil Bottles | Fashion Accessories | Handbags About Us | Help | Contact Us | Privacy Policy | My Account | My Cart | Order Status | Links | Site Map 2002-2005 Paisley Creek Gifts. All Rights Reserved Online Gift Shop - Gift Ideas for Wedding, Anniversary and Birthday Gifts Testimonials Just wanted to take a minute to send THANKS for the wonderful items. I recently bought some gifts for a birthday present and was very impressed. They were such a hit that I ordered some items for myself. I will spread the good news to friends and family. Michelle, Garland TX I appreciate your attention to detail. Thank you so much for such outstanding customer service! I can't wait to tell my friends! Linda, Steger IL