Thanks, Junebug!!! No wonder people refer to Toto as "the million dollar Yorkie"!!
I had Toto with me when I dropped by our accountant's office last week and he looked at her and said "THAT"S Toto"???? He wondered what my new "line item" on the books could be and was just expecting something larger!
He laughed and yelled "Joan, come here quick ... there's a rat in my office"!!! He was kidding, of course, thought she was adorable but said he couldn't claim her as a legitimate deduction for taxes!! DARN!!
I will check on the underpads you suggested .... thanks again!!