Yea, back in your youth day, you think 60 is old, you don't think about things like retirement-social security and such, as you figure you won't be around to even collect Em. This is why the military wants you right out of school, when your young, you have NO FEARS...as you age, you start thinking about things before you react. Enjoy your retirement, keep the rubber on the road, remember: Safety has no quitting time, even in retirement: Microman