Beg to differ, Penguin Egg. I sat in the sunshine in my garden the other day, with my children (both happily married and happy in their jobs), surrounded by grandchildren, and enjoying a nice pint of Adnams finest ale. I've got five days left to work, a pension I should be able to live on, travel plans including Ireland and Marrakech, two nice guitars and choosing another one soon. None of this fits your criteria, but even if the great foot descends on me from the sky today, I'd think I'd got the better deal.