We are working on it... trying to get my husband's annuity out of the Union so we can keep our house but he has to retire in order to do that so the paperwork is on it's way and we have decide how to go about doing it. Larry is 55 so retirement is possible but we are NOT ready for that financially. However, that would make it possible for me to go to Pittsburgh and have a nice day trade account for the F's :-) and we are hoping that we can freeze the pension and go back to work till it's time to retire. Still waiting for answers but they aren't going to come by selling our CDIV! I won't know till the end of the week but thanx for thinking about us... It just seems so unfair that we can't borrow the equity, our own money, from the house till the economy picks up but that's the way it goes. Thankfully, we have lots of love and are healthy so if relocating is the answer, we will do what has to be done. Life is tough sometimes but it does go on :-) Hope to see you in a few weeks! Have a great day!