Thanks MM. I appreciate the input and very well understand the time commitment issues, as I have helped others in areas that I have expertise, and no one can understand the time it takes to give useful and meaningful responses unless they've been there.
Now take my and pb-mass's advice and retire just as soon as you possibly can! I wish I had been able to do it even sooner than I did. With the exception of politics, I even liked my job - but retirement is a lot more fun.