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  1. I have not. Thank you, Tony. I will read. Not sure what sand dune my head has been under.
  2. Here’s a ‘crisis’ I’m just learning about... and I feel like hitting my head against the wall.... “why was I not aware of this before” sort of thing: Ohio is one of 15 states where if you are a teacher you get 2/3 of your spouse’s Social Security benefits taken away. It’s called the hero penalty. Really???? On top of our lousy pay and dwindling benefits overall?? I feel like I have IDIOT on my forehead sometimes for ever being in this profession. In light of my husband recently now having a debilitating life threatening disease..... this is completely unacceptable...and maybe devastating.
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