Thanks, Sherry (it was Deb’s idea)! Although Deb & I are doing pretty well looking toward retirement <knocks on wood> we’re not “my tax advisor says we should start an endowment so what the heck” rich. [Disclosure: our tax advisor is Turbo Tax, whose biggest advise every year is that we should upgrade to the next higher software package.] But even a little bit in the right spots can help.