Yes Jan - love the guilt trip for the so called "entitlements" - what a joke. If they don't want us to have them, then "they" should not have taken the money out of our paychecks for all those years. Arrgghhh! And yes, it is demoralizing - and you know all about it being on both sides of the system. Thanks for always being around to lend and ear and give solid, steady advice.