iLUV - I bet he sais it more than once!
ACMS - I agree that when you're 55 you should do all the things you suggest. After all, when you joined the retirement age was 55 and you wouldn't want to screw your younger colleagues now would you. Long way away? Time moves fast and 55 is the old 45 they tell me. Try to relax. Your points are well made (or certainly should be by now - just look back at the thread - it's unique in the history of the Prune IMHO!)