It's about time you 2 woke up (and used your brains wisely)!
I made this decision over 1 year ago (to let the renewals play out & then let Nancy & Obama fight over how much they could increase my handouts every year).
But, God Bless you (and precious Ann), anyway! You've spent a lot of brain-power figuring out (much of) the red tape!
Ann should be earning royalties; and you 2 should be her highly-paid associates!
I figure that no matter how much ACA pays out, it's NOT worth the E&O liability (nor the Big Brother over my shoulder).
And, I'm almost 65. My large book of renewals should take a while to "play out". Then, I'm joining the 50% with their hands out. I never dreamed I'd say that, but I just did.
any chance you could move to a house outside the great state.... I just don't want to pay for you rear.....