I love the way you've sorted out the steps you want to take this year. I too analyze things like this, especially decisions both difficult and life-changing. Sometimes I divide a clean sheet of paper with a line down the middle and write PRO on one side and CON on the other. Every Pro has to have a Con and vice versa. If I can't think of anything good to balance a Con, then it becomes a significant factor to consider. Also vice versa. LoL! Good luck to you this year and keep us posted! GS is a wonderfully supportive family.