[lisa_spyder]

Yep Wayne,

This is what we are struggling with - just how much is gonna be enough? We're not wealthy...but we certainly are planning to ensure the kids are catered for in the event of our (both) untimely and premature departure. The worst of it for me is asking someone else to take on the responsibility of our children (in other ways, not financially) should we meet an untimely demise.