As an SGS member you may submit a question here that will probably be answered by one or more of our Panel of Experts, who have generously agreed to volunteer to answer some of our member questions. By submitting your question, you agree to let us post the question and answers here on the SGS web site. We cannot guarantee that your question will be sent to or be answered by a particular expert, and you may in fact get a personal answer that is not posted on the web site. You may include your name and/or your e-mail address, in case you would like to invite replies from other people who might be reading the page. Please include the town you live in (just like Dear Abby does it... "Confused in Rye, NH" is good enough if you like)