Is everyone out of town here! I'm really suprised no one has answered you.
I'll be in town all weekend, my wife and daughter are going to Colorado to look at colleges. I'm on the other end of the education train. As I said in my response to your other question I can get you in touch with the right agent that can address all of your questions. Feel free to call me when you get here or earlier for that matter. 415.425.9810