Hey Bill, I used to live in Calgary AB... you know, one of the best tasting hamburgers I ever had was at an Oiler game in Edmonton! You're in good hands with Lisa's lessons... I went through the whole fingerpicking series. While I was a decent electric guitar player before I started, I had never really done any finger picking before (just strummed my acoustic). I was super impressed by how quickly I improved with Lisa's lessons, she does a super job. Be patient, take it slowly if you have to. Don't move on to the next lesson until you have the current one down solid... and when you practice, go as slowly as you have to without making mistakes. If you're finding the chords (assuming left hand) are giving you trouble, then focus on the chords & changes, then introduce the fingerpicking. If its the fingerpicking pattern (right hand) that's gives you trouble, don't worry about the chord changes... practice the fingerpicking pattern slowly, without making mistakes, until you can do it without thinking about it really, at a decent tempo. You'll find a huge pay off with this approach, because as you progress, you'll find learning new chords and new fingerpicking patterns easier and easier if you've masted the earlier ones first. Eventually the fingerpicking will be automatic... you'll just think "pattern 2" and do it without having to think about it.

The song "Its Never Too Late" is really fun to learn at the end, and not that hard when you finally get to it.

Good luck!

Cal