Thank you for your welcome but I was already a member of AF.
You called me unintelligent first when I replied to a post under my husbands AF name. He and I have let the other moderators know and they reinstated his screename but I had to get a new one.
I have read the guidelines and thought it was very unfair for you to post a personal attack on me but then ban Tony for his response in a PM.
That's all I'll say about the matter.
PS. I was impressed by your response to my post on financial issues. It was very informative. Economics are not my specialty so I respect your knowledge of the subject. My degrees are in Law and Chemistry.