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I have been thinking along the same lines, but, I would miss the camera and the GPS as these I use alot. Hate being tied to the phone and have actually turned my phone to night time mode to stop the constant pinging fr Facebook etc. I refuse to do any sort of phone banking, too risky.

Strongly disagree with raising the retirement age. Should be 65 or less. We work our whole lives, then too old and sick to enjoy retirement adequately. Thank you.