If you did, you sure have a case of the Welch's sour grapes. As someone who fits similar shoes, should I look forward to one day ignoring whence I came and grabbing all I can regardless of what is right or what I have believed is right for so long? If your answer is yes, be secure in the knowledge that 5yrs or 10 more, I will eventually have the handle to the guiottine that holds either your A fund, your health benefits or both. Close cover before strike.