| If you should happen to be a GM retiree ... ... I'll bet that you're wondering just what "your means" is to be. Had I suggested, eight years ... five years ... ago ... ... that one of these days GM might be considering going bankrupt ... you'd have laughed me out of town! I'm not suggesting that I considered that a possibility, myself - I didn't. Will you let me change my recommendation that *everyone* should have at least 3 months' worth of income, but better 6 - 9 months, or, even better, a year's worth of income in case the one that you'd been counting on ... died? How about - five years worth? These are uncertain times in which we live. And about to get uncertainer. I'm feeling sad about the folks that I've recommended that they build those 3 mos. to a year of financial cushions ... who chose not to do so - for whatever reason. I'm not big on, "I told you so". Dad used to say that it did no good to cry over spilled milk. Better to go hunting for a hungry cat ... or a rag or a mop. Good wishes for having your financial house in order - it sure is nice to have some wigglin' room. ole joyful | 
