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guess my risk assessment attitude from my nuclear power background is showing thru. The old "pay a little more up front to reduce your risk of problems" and reap the benefits long term. The more critical the damage from failure is, the more you do to minimize the risk of failure.

Correct! You can MINIMIZE the risk of failure. You cannot ELIMINATE the risk.

Only you can decide if 10 years more of work is needed to reduce a 1% risk of failure by 50%. Me? I'd rather be taking bong hits and chasing those delicious young women in those dental floss bikinis up and down the beach vs. work for 10 more years.

If I'm a little short of retirement cash, I'll sell generic viagra on the beach to the old guys who can't put the lead in the pencil the way they could before the stress of working those extra 10 years clogged up their lead-fillers <grin>.
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