Thanks so much for your comments and information, much appreciated. I just got a script from my Dr. for oral alendronate; she felt it was best to start with it and, if I have problems, it doesn't stay in your system too long and we can look at other options. My insurance pays for this, no problem there. I will look into your comments about a bone builder if this script doesn't work. (sensitive stomach issues here). The actuarial tables are very interesting, I didn't consider this at first but, in taking care of my mother for so many years, am not surprised that they consider life expectancy this way--perhaps hubris on my part, as we never know the future, but I hope to live beyond that extra 15.73 years! My mother beat so many actuarial tables, including living 2 years in hospice care until 100 and 2 months old. Who can ever predict the future, we can only plan for it the best way with support and good information.