Get a few more posts and search for "age 65," there are a lot of threads out there with the info you're looking for.

I personally think APC should change their policy one being able to use the search function. Once you sign up you should be free to search. Not being able to search right away leads to redundant threads such as this one.

Best of luck and remember that 99% of what’s on here are opinions and nothings final until it’s in the history books!