Bill, we haven't met and I won't pretend to know anything about you. But I believe short-term goals have some healing powers for the mind. I hope you will consider setting a goal to make a trip to Anegada or your favorite place(s) in the BVIs this Spring. Start shopping flights. Pick a date. Work your mind on figuring out how to make the finances to work. Keep dreaming. Make it happen. Announce your arrival on TTOL, and I'm sure you will have friends there to welcome you and share in a sundowner. Perhaps the chance of that trip coming to fruition is low, but everyone on this board knows that much of the thrill of the travel is in the planning. It's in the dreaming. In the anticipation. I hope you will find that passion in you at this time. Again, I don't know your true self or situation. Just my thoughts to help you focus on the positive. Wishing you all of the best.