And on another front, using eTrade and a small account I set up almost two years ago to learn about stock, I finally bought something!!  Yes, the market is crazy right now and I’ve dithered for a long time as I learned (with Nick’s help) enough to be confident to buy and willing enough to lose some of it.  This is a huge step for me, one that I resolved to take soon after David died.  Change takes a huge amount of time.