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zgriner, yes there is need to get into a huff. Even though we are amateurs, in my opinion we have an obligation to give the most accurate information we can. I don't know how many people read this board without posting, but I bet it is thousands. It is positively harmful to post wrong information, especially on a topic that represents as large a fraction of our national budget as social security. You shouldn't assume anything. You should have your references in front of you. If you don't know the facts, don't say anything.

I should say that I think your advice on the CC board and elsewhere has been very useful. This proves you can do better. Do better.

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