Thank you very much for your civil and complimentry reply.  Now that was a great post (!), but for the rest of it's content.  The take it now versus later agrument is a good one.  It's like the lottery thing; take some amount per year for 20-30 years, or take a far smaller agrregate amount as a lump sum.  Tough argument, especially if there is any risk involved.

Thanks again,

SGE

PS:  You not only have my respect for your post/present thoughts, but also for your profession.  Your efforts are very appreciated (talk about risk!).  My brother is a retired LA County Sheriff (and he really misses it), and a PTSC investor!