Sorry folks but I retired 11 years ago, it's the fear of not knowing what to do that's the worst, get yourself a hobby or do something you enjoy as soon as you can, to many folks just sit and wait for death to come knocking cos they think that nothing they do can compare to going out to work, I have never been so busy, although I am in my garage a lot, when the sun shines I'm to be found out in the Cotswolds with a camera and my bike. You can't beat watching the countryside on a warm sunny day.