Bad news. I hope we come up with a solution for universal care. Anyway, if either of you wanted to take some classes, check out the nearest community college and check out their insurance. Probably easier to keep taking a class or two and get the insurance than to pay for the insurance. About the irritable bowel, many people have gotten relief from eating 2 coconut macaroons (Archway brand is often mentioned) per day. Coconut is a miracle worker for some ailments. Check it out on the web. mg