Thanks again, Jim. I recall well the 2020 screen you referenced, and have long admired the strategy. However, at age 81 I'm wondering whether I'm a candidate for your 'doddering' designation. Or maybe I'm just lazy. As for options, I've long wished I'd familiarized myself with their use when I was younger and more adventurous. In any event I'd like to keep it as simple as possible without entirely giving up. I'd hoped for something to reduce concentration, but perhaps QQQE affords sufficient diversification. That may sound absurd given that I'm 75% in BRK, but I just don't see anything more attractive. To me it's akin to a highly desirable ETF. I closely follow this board, especially your remarks, for any indication of real trouble. Thanks again for all you so generously do for so many of us.

Tom