I had the TURBT last Wed and received the call today from the doc: It is a PUNLUMP -- humorous acronym for this horrible cancer. He said it was at the lowest end of low grade - phew. Thanks to all for your input regarding this surprise visit after a 5 year absence. I am going on a 3 month surveillance for a while just to make sure.
Best of luck to all who encounter this nasty cancer-it needs to be eradicated from all of our lives!