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Paul & Nick,

Thank you both very, very much. Your time given to me is beyond measure. I thank both you. Paul I followed your links all the way to the MSN site and then the spredsheet links. Stopping at every page and learning the pros and CONS. I obviously have more info to get about her specific annuities and so on. My needs now will focus on finding other income vehicles for her that she will feel safe with. She has made it clear that she didn't know what she would have done had she not had those annuities during the market down turn after 2000. So I'll be trying to find income producing vehicles that she will also feel safe with.

Thank you both,
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