Hi Gordon,Your thinking on #1 obviously matches mine. And Hal's (I think it was Hal) comments on insurability are right on the money. I just spoke to a rep, and he told me that my chances of getting insurance through any of his carries was pretty much nil.I'm not sure how I can effectively manage the issues you put forth in #2. I'll have to look into it. As to #3: yeah, I was thinking that any non-life threatening issues could be taken care of by a trip back to CA.I've still got to file for SS disability. I think my chances are very good for that; in which case, things will be pretty good for me.Hedge
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