Ginger3, it is quite a task to sift through big volumes of posts...

Ginger3, it is quite a task to sift through big volumes of posts on many forums placed here.
I am learning all the time and I have all the respect in the world for notes of caution issued to us.
I am always offering my off-the-forum address ([email protected]) to enable discussion of contentious matters which may be counter to TOU guidelines.
That ls about as practical a suggestion as I can give.

I just turned 67 and have devised a spending schedule of my remaining crumbs to last me: a) 10 yrs; b)20; c)30.
At this third projection my food rations would be at starvation point, so it was pointless to make projections for reaching d)40.

CA Judgements can't come soon enough!

Cheers,