[RMDupree]

I can't give her points for creativity or she'll go for even more "unique" excuses. :-)

[osagebowman]

Ruthy; jotting them down would be a fun thing to show her in a few years.

PE: sounds like a better deal; 401k's are great. The AEP firms never have been much on pensions-the 401's work well and gives you a say in investment decisions, which we appreciated.