 Guess I'd better wait a few more years before I start investigating. Well, if that's all that's holding you back, Bruce, then your Equitable Society representative has a very pleasant surprise for you. He'll work out an independent 60s plan that's geared to your present income. Actually, if you're between the ages of 30 and 45 and covered by Social Security, you'll be amazed how little this Equitable Plan costs, considering how much it does for you. At any rate, it costs absolutely nothing to find out. Your Equitable Society representative will give you the facts. Get in touch with him soon.