Charlie Fisher--I hear what you say about people not doing well on retirement. I've known a bunch of people, in apparent good health, looking forward to retirement, then shortly after doing it, poof----GONE. Funny thing! My Dad was same way. Had no hobbies, no close friends, all he had was his job. Not too long after retirement he was gone! I have started S.S. but I'm so darned poor that I've got to still work (some) and I've got my 17 year old Grandson and a yard full of gems awaiting polishing!!! Together, he and I, hopefully will keep Grandpa a-kicking. Perley