First off: hello and welcome dukemama!
In response to your post, I have to agree with what both posters in front of me. If you do decide on the NPC route the questions that kddani posed are questions that you will be asked. Also, my two cents, if you go the NPC route by all means be as discrete as possible. The fewer details about yourself that are out there, the better!!!
Best of luck with whatever you decide!
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