8/1     Apple said if your phone was broken, "it was illegal for Apple to
        replace a phone with a better phone."
        link:www.csua.org/u/10um (http://www.linkedin.com

8/1     Suppose your house is already paid off and you retire at 65.
        How much expense does one expect to spend a year, in the Bay
        Area? Property tax will be about $10K/year for a modest $850K
        home. What about other stuff?
        \_ I think at age 65, health insurance is the next biggest expense.
        \_ I am thinking that we can have a nice middle class
           lifestyle for the two of us on $40k/yr. Maximum Social
           Security is about that, but I intend to have enough
           saved that I will be fine even without SS.