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Dear Don, Thanks for your terrific reply and for sharing it with the list. The figures you provided will go a long way towards quieting dissent among our more conservative advisors. If all goes well, we hope to be packing our bags for Loma Linda in the not-too-distant future. Blessings to all from Jerusalem, David & Aviva Devor P.S. We haven't confirmed it yet, but Jim Devor may be a long lost relative! He's clearing it through the Toronto branch of the family. So Barbara, you may be able to add family reuniting to your list achievments.