I am 70. I have just reviewed my T-scores and Z-scores for the past 10 years. (I keep copies of all my health records but you can get yours) My T-score is getting worse. My Z-score is not bad and getting better. So I researched why. On the T-score you are rated against 30 year olds! Hello! By 50 or 60 you should have worse bones. But the Z-score is rated against people your own age. Look at your Z-scores. I am no longer afraid. My T-score for my spine is -2.5 but my Z-score is -0.5. I also looked at the 10 year fracture risk and noticed that the % is going down. My total hip T-score is -3.5 and my Z-score is -2.1. I cannot take the Fosamax type of pills. Now they have been pushing Prolia. I have said no. I am headed to Mayo the end of this month and I am definitely going to discuss this with someone. I am tired of being scared.