Thanks guys. Keep it coming. As I said, we're in the very early stages of this process. Early as in we agreed a long time ago that our son's tenth birthday would be about the right time to consider it and, after much contemplation, I've finally decided that, yes, this is something I want us to do. Hubby's been answering my gazillion questions, letting me guide the conversation, and waiting patiently for me to come around. (We never did start that marriage advice thread, did we? LOL!) Now it's decisions and financing time.