GGB are you one of the folks who is ok with waiting until 2020? We've almost burned up 25% of 2019 already. Just donated to a go fund me for a childhood friend who now has stage 4 lung cancer. She just started a new job and doesn't have insurance either. Odd but true. I wonder if this happens in Germany, Canada, New Zealand, U.K., France, Sweden, Norway, Finland, Denmark, Iceland, Spain, Italy, Japan, Australia, Austria, Belgium, ......