Be a pretty crook place if we all agreed, no fun if everyone knew I was right......No disagreements with me @Crusty181. You have put it all on the line as you see it. And I agree too. But such is life, as we live in an imperfect world of good and bad. What was it that was said? "When the going gets tough, the tough get going". I acknowledge that you own and run a business and this has made it tougher for you to look after the security and future of your family, but hang in there. You have many more years to put in, hopefully healthy years.
For the record, I am a fully self funded retiree, get little from the Government, so I look after myself. My two Daughters are also independent. I have done my hard years (including 36 continuous years in the Army Reserve and with Regular troops) and now am trying to enjoy the few years I have left. Hence a very different outlook to you and yours. Sincerely.
Should have beena Sailor booties, blue is a better colour.