Not disagreeing with anything you said. But I had to laugh at myself when you got to the part about groceries on hand. I eat out nearly every meal. I think I have a jar of peanut butter. But no bread. <img src="/images/graemlins/smile.gif" alt="" /> I'm one of the ones stocking up (not in a panic, but my cart might look like it) when the hurricane watch goes up. I have plenty of water stored, but no food. Yes, I know I should, but it'd just go bad... it's easier for me to buy it when I need it. Which, of course, leaves me starving if something should happen that isn't foreseeable.