James & Stan: This wasn't meant to be depressing (although I suppose it could go that way). I'm simply being forced to adapt to some changing conditions here (albeit grudgingly) and was wondering what others had come up with in similar circumstances. Ted's story of his pal on the Munger trail is bit of a downer, but I'm a cockeyed optimist these days (a surprising side-effect of attending too-many funerals lately). I'm looking forward and not back anymore...