quick post...
OTG - keep up the good work. you can have little backslides and still be ok. have fun at the 3hr spin on friday! i can't go, have to work. you two ride twice as hard for me, ok? after everything calms down, dinner and hot tub party at my house for the PA girls. AG is going on vacation soon so we'll figure it out after that. get that bike taken care of too. AG has a good shop and they'll treat you right.
congrats on no debt! very nice. i don't have any student loans. couldn't get grants either. had to pay every last cent myself. paid as i went. a bit impoverishing. would still do it again, only sooner. got a little CC debt yet that is just about gone. of course, with bike stuff, vacation, x-mas gifts... it never ends.

Salsa - so glad to hear your Mom is getting the old spit and vinegar back. it's good for the body and soul.

Kit - Hmmm, i guess we said it all last night, huh? BTW, how's your head this morning? Mine's just fine.

CWR - nice of you to join us for a chat. very fun. yer gonna need to start drinking earlier hon so you can keep up. stash a bottle at work maybe.

Lise - hope you get to spend some time with J. for the holiday. i'm so happy for you both.

Ladies - very good relationship comments and advice. (for all of us) thanks. much appreciated.

well, ran out of time. see ya all later! be safe.