Thank you, Catrin. I know I should keep my volunteer efforts bike related. And I also know that I am lucky to be able to work part time now. The thing is, if I wasn't married, I would have probably kept teaching and would have retired at 55, with a decent pension. It scares me to think how lost I might have been! Right now, I don't need to do more than I am doing, but if I cut down work more, I will. And frankly, to hear so many of you say you won't be able to retire makes me sad, because I know how hard everyone works. While it may not be a popular thing to say, money is power and freedom, too. It doesn't mean that people with more money are better, just that it gives one choices in life.