<i><b>Carmen...go easy on DH as he most likely hase a &quot;to do&quot;list&quot; of his own. I have left so much stuff go over the yearsI doubt I&#39;ll get it all done.<br /><br />Steve, you&#39;ll never retire if you tell yourself that you can&#39;t afford it or you can&#39;t leave. Just do it and adjust, you&#39;ll never regret it.<br /><br />Later<br />Jim</b></i>