Pixy, I went to your story "Stuff Happens" and it is a wonderfull example of 'stuff' that can happen and not be covered by insurance. With your permission, I would like to include copies of it in the handouts for our next Marriage Preparation program at our church June 3rd. At the last one, last Sat., we had almost 40 engaged couples and 7 facilitator married couples. Many engaged attendees DID NOT enjoy the section on finance/insurance. At a show of hands fewer than 1/3 had health insurance! Ok, you retired and soon to be retired Fools out there, how can we teach these young people fiscal responsibility? Thier attitude? We'll declare bankruptsy!