Joining the pity party too - it&#39;s real scary when you&#39;ve retired already.... no catch up time - OH MY&#33;&#33;&#33;<br /><br />Ed, &#036;800 a month is appalling - I know there no limit to what we have to pay for ours and our loved ones health, but &#036;800 is &#036;800.  Hey you should get yourselves accustomed to this monthly expense, precondition yourselves and take a &#036;800 cruise.... also worth it, just a thought  <img src="http://www.cruisecrazies.com/community/images/forum/tr-emoticons/thumbup.gif" style="vertical-align:middle" emoid=":thumbup:" border="0" alt="thumbup.gif" /> <br /><br />Steve, you&#39;re very quiet - HELLOOOOOOOOO&#33;