Phillip, Right on! In my area we have a lot of retirees. They can be divided into two groups. The first group retired "from" something - GM, the military, IBM- pick one. They may have been forced to retire or "aged-out". Their identity was their career. They have few outside interests and spend their days telling war storied of back when they were still in the harness. They sit around on the porch and wait to die. The second group retired "to" something. They couldn't wait to retire because they have lots to do and time's a wastin'! They play golf, tennis, go boating and RVing or travel to Europe. Their days are full and they are full of life. My folks are in this last group. We almost need an appointment to have dinner with them. My 82 year old step-dad complains that he gets sore if he plays golf more than three times a week. Did I mention that his biggest concern right now is that he doesn't like his new 24' power boat and wants to get another sailboat? My mother really liked their 27 footer but he's thinking about something around 30 ft. This is the same guy who introduced me to boating, an act for which I am forever grateful. We truly have salt water in our veins. My wife and I have owned over a dozen boats through the years and they all have contributed richly to our lives. Our son is an avid fisherman, boat owner and top-notch windsurfer. He grew up around boats and water and I know that the experience has helped mold him into the fine man he has become. So, to me, the question is how much is the investment in the quality of your life worth. Can you distill it down to the ROI and the Time-Value of Money? I don't think so. Someone, I think on this list, made the comment - I spent most of my money on women and boats, the rest I just wasted! Do I hear an "AMEN!"? Regards, Randy Pickelmann MORNING STAR