Well, friends, I thought it was time we discuss this important issue. When is it time to retire? Our European friends are required to retire at the ripe old age of 65 or something like that, but what is important is that they are required to retire at all and it is enforced, not an arbitrary time left up to each individual's honor system, if they have one. You won't find stagehands carrying instruments for geri people in walkers over there. (yes, this has happened in a professional orch!) When you lose whatever faculties you had, do you know you lost them? Something to think about before going into debt at music school.