I've heard the term "moss back" for Oregonians as well.
The advice we're giving you is invaluable, that's why it's free
Experience is a good teacher, but the tuition can get expensive real fast
Semi-Retired 7/1/16: working part-time ( 60%) for now [4/24/17 changed to 80%]
Retired Aug 2, 2017; age 53