Lets leave bursts check whether you will be allowed to hear me okay in back. Can you hear in backtoback is a great pleasure to be back in philadelphia today and to be back in this Wonderful Library r than small blinds, instead to give me an idea how many of you here this evening may find what i am about to tell you of practical value, would like to ask you to raise your hands to one or the other of two questions that i now pose. First, could those of you raise your hand who either are or over age 65 or hope to live past age 65. [laughter] or have a parent or grandparent over 65 . [laughter] many of you. All right. Then, the second group, let me ask, please raise your hand if you are under 65, have no intention of living past 65 and have no parent or grandparent to past 65. Raise your hand. [laughter] all right. Those of you in the first group, you are the ones to whom i think my talk this evening will be of practical value. [laughter] those of you in the second group, talk will not be
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