It does help to know something about the poster, so Thank You for sharing that. I am sorry, I was clearly too harsh on you and I usually try not to be that way. Guess you hit a nerve and I was tired when I wrote it, but it's still inexcusable. It's just that your post came off as too judgemental to me, especially on the medical part. Even in this post, you seem to be blaming people for their health problems. Trust me, a lot of retirement money can be rapidly eaten up by medical costs, and nobody wants to or expects to be sick. It can really add up quickly to become a tragedy, and there are true victims. IRIE! *IG