Hi Cookiedough, thanks for your answer. Yes, I have had an interesting life, but mostly, it's been nose-to-the-grindstone raising kids and paying off cars & houses, like everyone else. but the best thing I did was to quit "job floating" at age forty and going to work for the State in a job that held good pension, and that is how my wife & I managed to cruise pretty much around the old globe, and we did it in our late 60's and early 70's while we were still in good shape! We took a non-cruise tour of Ireland four years ago. A bus trip that went 8 days all the way 'round the Isle, and it was amazing! Not only was the scenery beautiful, but the people were both gracious and a ton of fun. So now, as soon as there's a vaccine, I'd like to return to the U.K and see the rest of Northern GB and Scotland From all the photos I've seen, those areas are every bit as beautiful as most of Europe (Swiss Alps excepted) But, being over 80, we don't even buy green bananas ! So, we'll just "play it by ear!" thanks again for your interest-IndyMo