Don't worry about being *preachy*, you sound just fine! I remember when govt' started taxing the interest income from back accts! I was livid! I thought, I make money ~ I am taxed, I spend money ~ I am taxed, Now I save money ~ and I am taxed! Now I have to add ~ going on vacation ~ and I'm taxed. I will try and stay positive and hope there is extra security. The unfortunate test would be if something horrible happened, when we would know that it's not worth it. I am fed up with taxes too! Especially this time of year. Sandra