ron, a word of advice about the perverse sense of humor of the universe.....recently i decided to take a very expensive (for me) family trip to europe...therefore, i embarked on my own "money retention program", vowing to cut expenditures to make up for some of this extravagance. almost immediately my sprinkler system broke and i had to spend $40 to fix it and $85 on extra water which ran while i was out of town! i had to spend $75 to spray some bagworms on my tree! my niece decided to get married which will cost over $1000 with airfare, rental car and gift. in short, if i decide i will be too frugal, the universe finds some way to force me to spend money! so just forget your money retention program, get out here and join us for some fun while we still are healthy enough to enjoy it! leave the green hulk in the closet