"Phyllis and Jim" wrote in message
...
We have had the discussion a number of times over the years. I guess
we face it annually and when new people come to the group.
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It wouldn't hurt to discuss it every year. There are always new people and
non-posting lurkers.
--

RM....
Frugal ponding since 1995.
rec.ponder since late 1996.
Zone 6. Middle TN USA
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