Thanks, judesgall. In fact, one of my duties in the years before I retired was to provide seminars in retirement planning. Along with other tasks as a the military psychologist at several bases, I ran two seminars each year, widely attended, where estate planning (you DO have a valid will, don't you? Somewhere at least close to where you executor will know to look for it...same building at least :-D), preparation for relocation, a final one, financial planning (especially for any severance pay, usually a substantial lump sum that can often be frittered away if not careful), and even job hunting techniques were covered (most retiring service personnel want to continue to work, but they've in a military milieu for donkey's years, with a unique culture and customs, but also unique skillsets that need some 'translation' to be applicable to 'civvie street.' )

Anyway, thanks again...I know the topic only too well.