David,
What an interesting life you lead! First Alaska and now Saipan.
There goes our next user group meeting in Alaska.

You are certainly right, very few have the wherewithal to dramatically change our circumstances. I am interested in how you came to your decision.
Although you may no longer use AC, I hope that you remain in touch here on the Board. Your wise prose would be sorely missed. I certainly have benefited from your advice.