[ABullard]

Setting the date is very important, even if it changes from time to time. We set our date 12 years ago and will retire (at 52) in November and set sail. We are only 1 1/2 years off the original plan.

Another suggestion on health care. Instead of buying a defiberlator go ahead and do a stress test and have a heart cath done. It is important to do a heart cath because stress tests are very unreliable, but a heart cath is almost 100% accurate. The cost is about the same and if you get an OK on the cath you know your chances of a heart attack are minimal.

I just had a cath done. Its a piece of cake and the peace of mind is fantastic.

Tony