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Sctt - My love had his "on" times and his "off" times. He just tries to make the best of his on times and rested during the off times. I believe, though, that you will know with a full certainly when it is time for you to take retirement disability. I gather that you only lean toward retirement when you've had an especially bad day, and one bad day here and there shouldn't make you want to retire. Besides what would you do with all that time on your hands (LOL). Anyway, best wishes in your decision. I feel it will be the right one when you finally make up your mind. Jo Ann ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn