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Ivan, I had started to draft a far more verbose response to your question "What would you do in my place?" Early this am, I read Camilla 's eminently sensible posting and decided I could do no better. Her two points were mine as well: 1. Consider mortgaging your paid off place. It represents a lot of capital invested at he going mortgage rate (about 6.4 %, I believe --if you look for it). Just sinking this in MSFT (Microsoft) stock would have produced a 300 + % return on your cash over the past 2 years or so. Also I believe I am being conservative in predicting continued strength here.(i.e. buy more today) and 2. Consider strongly the new surgeries --especially the DBS at Emory that was the subject of the much celebrated 20/20, or rather, dateline. I'm sure that Camella and I both want to see you thrive. I hope we haven't missed something. At any rate, God bless in making your decision. Regards, WHH