40 cal favorite handload

[mrmiskin]

I bought some used brass in 9mm and 45acp and found some 40 cal brass amongst them. So naturally, like all good reloaders, instead of throwing out the brass I bought a Taurus 40 cal. It made perfect sense to everyone but my wife, even though I used her stock answer of " I saved money because it was on sale". Any one have a load that works well as a starting point? What do you all think of Universal as a handgun powder?