Retired from 37 year career with USDA-ASCS, the agency that handles those huge subsidy payments to farmers,, and other lesser known payments under the guise of "conservation". Most of my career was in Arkansas, but I also served as County Exec Director in Idaho, Arizona, and Florida. I am a music lover, and have a hugh collection of classic country ( all the way back to 1944). I play acoustic guitar but I'm a strummer, not a "picker". I also have a large collection of chess sets, love to play chess. I like to gamble, poker and dice, but small stakes. My biggest gamble is in the stock market, I'm "all in" with my meager savings and rely heavily on dividends to supplement my civil service annuity. I appreciate the info and advise provided by others that know the game better than I do.