Jackgaume, it's Fancy1959 officially welcome you to our extended family. I noticed you snuck in a reply to Bamfan dilemma about filing for SS benefits. I'm glad after all this time you chosen to share your knowledge with us. Since you been following along I am sure you have noticed what a safe place this is to ask questions or voice concerns or simply speak to someone who truly understands what you are going through. I know you understand that because your timely response truly helped someone else in the chat room. I look forward to getting to know you better. I also hope we hear from you more frequently. Until we speak again take care and remember you are now part of our extended family. Together we are stronger!