[Ron Ramirez]

You're forgetting something, Mike. To paraphrase the Beatles...(to the tune of "All You Need Is Love")

All you need is money....la da da da da, all you need is money...la da da da da, all you need is money, money's all you need.

I'm not independently wealthy like our friend Kirk. (just kidding, Kirk!) But seriously...I can't go travelling...and I don't need to stay out of the job market for a year if it can be avoided at all. Simply put, and this is no joke: Old Ron needs the money...and I'm too young to retire yet.