Hello Ken, thanks for the reply.

>First, let me suggest that retirement has less to do with age (I am 62) than it does with having sufficient funds on which to retire < g >.

Absolutely, except for the fact that if you are contracting via. an agency and they are looking for someone to work as part of a team, you come-up against the 'Computing is a young-person's game' syndrome (at least here in the UK, I don't know about the US). If you have your own clients, age doesn't matter that much as long as you can deliver.

>I think there is a third choice: Create an application that you can market.
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>Our "niche" is the client who is not satisfied with shrink wrap solutions but cannot afford a full fledged custom app.

That's what I need, but I need to come-up with that gem of an idea for an application which will sell. It hasn't been suggested or come into my brain yet!

Regards,
Alan