Yes, we did a lot of talking about it. Walt really struggled because he had a choice to be given a pension or sign it away. It didn't come easy to him. Actually, I made the final decision on that.
As I stated earlier, we chose to live not in the future, but in the present. Leaving jobs and setting up housekeeping as we did, with a blended family and pooling our resources, seemed to us at the time to be the sensible thing to do. We have been together now 17 years. That is many thousands of dollars that we've shared with each other and family and friends that would be totally and absolutely lost if I had died before Walt, so as an investment it didn't actually make much sense.