Hi db but I can tell you my mother, at 97, worries about running out of money. That's understandable because she, like many others, "lived" through the Great Depression and just like my Mom who is 93 ... it's not something easy to forget. Then of course there are health care issues and all the what if's that can drive one insane with the endless possibilities. So I do realize it's not an easy thing to do. Thanks for your feedback.just sayin'Richard
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