Thanks John. You're right that those are two big issues to address. I did touch lightly on the taxes in the narrative but couldn't mathematically account for them since they're so wildly variable for each of us. But the SS solvency was in there - it had it's own chapter. It's a big risk as you rightly say, and I generalized a 12% reduction in benefits in 2033. I'm sure it won't be exactly that but it's treated the same across all income streams so the b/e calculations are still valid and wouldn't change by much.