Thanks for bringing this up, David.
And thanks, Bob, for providing the links. 
I've been looking for a template like this for awhile now; I downloaded the second one. I have at least a few uses for it.
Margaret
(BTW, for the past few days, I've been in the process of deleting several of my more idiotic posts and hope to delete many, many more, DV, in the future, both recent and not-so-recent. Any suggestions for deletion that I've overlooked will be welcome. I just want to keep things tidy here and give the Lord the glory...
Many of my posts fall far short of that, and they need to go. That feature that allows one to delete one's posts has been a blessing to me.)