First of all, welcome to APC. You'll find a wealth of information on this board that is helpful. However, treat it as if you were shopping in the grocery store. Take what you need, a little of what you want, and leave the rest on the shelf.

One other thing, by no means are you late in the game. Potentially, you've got 32 years to get where you wanna be, and based upon what you've posted, you'll have no problems getting there. In that respect, I would encourage you to view the glass half full; not half empty!

Blue skies.




atp