Talk of The Villages is a forum for any member to ask any question at any time. To insist that one do a "search" for any particular subject would mean that every person would have to "search" every subject before they post a question.
On this forum, that isn't going to happen. If you want to know something, regardless of how many times is has been discussed before, just ask. Don't be intimidated by those who would banish you to the dismal halls of the search engine. My advice to them would be to not waste bandwith responding to a thread that you object to in the first place.
BTW, it is we who pay for this bandwidth. We have plenty of it and we are willing to share.