Well for us we have seen what change has been like the last 11 years and we liked it! Looking forward to even more. As we age, if we have been somewhat successful financially, we realize that at some point in our lifetime money is not the most precious commodity but instead time. At 66 the clock is ticking at just how much time there is left to be active and able to enjoy life. At this stage in life we decided time was a lot more important to us than making more money. John |