Ooops -- one more thing: even though we owe on our mortgage and will continue to do so longer than we'd like, we too have *no* credit card debt. Thank God for small favors!

Almost unAmerican, isn't it? Probably at least unPennsylvanian!

Pardon my disorganization in the previous post. I moved a couple of paragraphs around, and wound up discussing "my *other* main source of entertainment" before rather than after mentioning either that evil cable TV or my library-book habit.

Also, while in confessional mode, we pay a monthly bill for broadband internet access at home (no more expensive than a 2d phone line, true, but a luxury nevertheless), and $20/month for unlimited DVD rentals from www.netflix.com. I really recommend Netflix to anyone who lives where they can get it, i.e, some but maybe not yet all of the US.