After reading these forums for a couple hours, I find it all very interesting. Good info, good people, good community. Also, after reading the forums, I think the phrase is: "I was suckered in by the duck". I am too much of a greenhorn(two weeks) to debate Aflac vs. others, but I will continue reading. Anyway, to introduce myself: I owned an independent bookstore in New Jersey for seven years before having to close the gate for good. My wife and I decided to 'start from square one' and find another place to call home and raise our kids. After a couple hundred hours of research, we settled on the Greenville area of South Carolina. Nice forum folks. I hope to contribute often. hastur(he who must not be named) p.s. yes, I was a AD&D freak during the late 70's to late 80's.