Hi, mayblin, and thanks much for your informative response. I am, as you were, a little over 10 years past menopause, and I have an implanted pacemaker/ defibrillator due to heart failure. But my recent echo and stress test results were very good, hence my willingness to venture into HRT to help my very poor bones. My cardiologist wouldn’t weigh in on the matter — he was honest and admitted he didn’t know enough to advise. So it looks like the task will be to find a cardiologist who does know enough. I am in Austin, Tx. If anyone can make a recommendation, I’d be grateful!