I am ending my employment at the end of February. DW finished up last year. I am omy'd out. Just in case, our professional licenses will be kept up to date for the next several years. Like many of you, we are leaving a lot of money on the table. However, I am reminded of the fragility of life every time I read the obituaries. I want to thank everyone who offered their opinions, advice, and support over my last 3+ years on e-r.org.