John / Tony I have you both beat as am 67 and sure there are some around here that would call me the youngster. But, look at what the kids now have with computers and cell phones. And when we went to school did not have any of these items. And I too feel fairly good on the computer but the kids can make them smoke. And they are just getting more techie as the time goes by. But, also look at the benefit you have by looking at your kids school books. Good luck gentleman. My daughter graduated with a major in math and minor in business. Now she is the head investment counselor for one of the banks here on the plaza. I once asked her if she could invest some money for me and she said she has a minimum of $500 but normally would ask for a grand to start which knocked me out of her league...