I'm not sure if ya'all no this or not. I just found this today and I've been on this site for a few years now. Feel like a duh duh duh. Anyways if you look at the top of the FM page you'll find a post on Social Security information. It's a little golden nugget of info. I thought that I'd point this out for all the people like me who are just a little duhhhhhhh at time. hehehe lol D.