Thanks, Paul...Regarding the insurance, I know you're correct that worrying about stuff at this point is counterproductive...It's just that I have to schedule preachers to be in the pulpit when I'm recuperating and that has to be done about two months ahead of time. It's hard to get folks at the last minute so I try and be pro-active, but if I plan on a mid-April surgery and get denied, then I have a mess because I've scheduled folks and they've turned in their sermon topics, etc. to the secretary, and then I really don't need them and cannot afford to pay them when I will need to use them when surgery eventually does happen....Geez, even as I read this I realize how crazy I sound...I will just breathe and slow down a bit. My ace in the hole (aside from a Loving God, that is) is my loving wife/clergy spouse. I know one way or another, I can count on her. Trouble is, she wants to be my "nurse" after surgery and I appreciate that but I also need her to "mind the store" at church while I am home sipping, groaning, and getting back on my feet...Anyway, ENOUGH...of the anxiety. God gave me such a great imagination, I have a PhD in Worry sometimes....Time for the Serenity Prayer and a bit more faith and trust on my part...Peace to you, thanks for letting me just spew my thoughts out....Bill