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Great read Bec! I was under the impression I could live on after this year when I intended to finish work. My plans have been derailed by a medical condition that I could never imagine being in the picture. So what am I doing? Staying positive, hoping for the best outcome, and very happy that I contributed to medical insurance for 50 years. I have NOT been in hospital since the birth of my 2nd child 35 years ago! So to sum up I will be reading all your communication in the coming months and considering just how to make the most of this new situation. Cheers Catherine