Thanks, Mike. At least one nibble at my hook. To translate for you Americans, "Freedom 85/95" is black humour, a joke commonly bandied by Canadians who don't have a fat company/government pension plan. I'm pretty sure my bad habits will catch up with me before it's time to collect, when I stop working (at age 85/95). :-)

No offense to the OP. I wouldn't want to make light of anyone's plight. I know a few people in the same pickle. Friends can offer a supportive ear, but it's tough love any way you cut it, IMO.