quarter guard may be right for you—if you would like to increase your support or reduce your need to write a large check once a year this could be an answer. thank you and i look forward to hearing from you soon. what do i think about the most? step functions is the more interesting development. also the travel planner is exploring a 2019, 180 day cruise ‘around the world’ so i guess there are enough remaining sites on our bucket list to keep us occupied! 