Ann, altho you addressed your post to specific people, I want to share something with you. None of us knows for sure which will be our last day on this earth, so living each day the best we can is a really smart thing to do. You and your husband have gotten a "wake-up call" to put into action the things that are most important to you both. Please don't ignore that call This humble advice is from a 65 yr. old grandma who wished she had figured this out a long time ago. Amy