Being Me, thanks, it sure does make you have a different outlook. A piece of advice, don't worry about the 5 year mark. Its like my Doc. said, it will never be zero, not for me or anyone else. Live your life day to day and don't think about it. As far as your H goes, well, I just think he is keeping you around as a safety cushion, or to keep from giving you your share of money and property. If he wanted the M to work, he would have tried, and he hasn't. Don't wait, get the ball rolling Monday, don't waste anymore of your life.