I don’t have any clots and have a clotting time on the high end of the range. I have had an echo and other tests that were normal. If you have a 5% risk of a stroke, then you have @ 95% chance of not having one. If you go through a risk calculator, you will see that it jumps up with age, regardless. My risk without AFib is 4.4%. That is a small difference. Again,this is all predicated on age with the assumption that at a certain age you just disintegrate.