WOW!!! I'm impressed!!!! I was a slug about my education and have regretted it in my later years. When I retired, I discovered how much my co-worker, making the same $$ I made, was getting in retirement. He'd gone to college and was making the $$ LONG before me, I had to work up to the position. His retirement income was 3 times what I bring home.............so CONGRATS -- You're a smart woman!!!