Thanks, Grinity, and I might do that - though not sure I'd like what I read ;-) I've been keeping handy the rec for Edward Amend which you kindly gave me a while back. Would love to have Dr. Amend eval DS, but cost is a factor. Distance is another. I suppose I could take a deep breath & explore that portfolio option, see where it gets us, and then use testing as a "last resort" of sorts. I'll dig deeper into the portfolio option right now!