Thank you both for your input, and sense of humour! I have less time than I would like to study everything as I should, but I’m plugging away at it when I have time. I also found this thread - http://forum.mikrotik.com/t/default-firewall-config/134431/1 - where you both imparted additional wisdom.
Rest assured I’m doing my homework. Just wanted to let you know I’m not taking your (free) advice and support for granted.