Art, I'll just bet you can't wait to find out what her college tuition is going to cost you. My son and daughter are both grown (he 25 & she 24) and gone within the past 4 years or so but my son graduated from UVM and my daughter from USC. The cost of college for both of them combined for me ended up totaling over $200K. I could have bought a helluva nice house for that kind of money here in upstate NY. LOL But you only have them once so you might as well spoil them if you can. :-)