Well put, Pat. We've been doing that for a long time. Now, it seems we can be a little less stringent, but still have to be careful and we know that could change at any time. In fact we are working on how to reduce our needs, in order to nurture the dreams. Those of you with children still at home have a tough road, I know. And, you are right, sometimes we HAVE to do the things that make us feel good.

kat