[Julie Steiner]

The kids are launched in my case, so there goes that excuse.

The parents [mine and my husband's] need increasing amounts of time and attention, though. Their golden years have been less-than-golden, to say the least, due to things that are probably genetic. So I've greatly reduced my expectations of how productive my own retirement is likely to be. I'm becoming more impatient about waiting for the best time to do things. The best time may never come.

Thanks for your very valuable comments, Walter. Please don't delete them.