Top-notch answer.  Thanks, Doc!  Now I can sleep better...

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terrific!  The answers were exactly what I was looking for and the
suggested web sites will enable me to continue my heating and cooling
projects knowing I am headed in the right direction.  What a great
service.  Got an answer while I slept; it doesn't get any better than
that.

Helpful.  I hope to return to this subject sometime.  Look forward to
having you help me again...

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Great guidance!
Thanks

Well, he answered the question, but in a somewhat indirect manner.  It
was a yes/no question and the answer was "yes", although the large
amounts of text after that weren't really topical.  He also says he
likes boys; not that there's anything wrong with that.  In all, money
well spent, but by just saying "yes" would have saved time and gotten
the fifth star.

Great response - would have given it a 5-star rating but I have had no
other similar experience with which to compare; so thanks, keep up the
great work!

Steve Zalewski

This seems to be a careful survey of what's there on the net.
Better than I did searching myself, but not quite the definitive
answer I had hoped someone would have.

This reply from drdavid is very good. I'd suggest some useful links
ought to be included.
The response from Catherine points to a very useful link, but there's
no 'added value' (so only 2 stars there, I think).
Happy to pay my $4!

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Research was well done and the answer met my criteria.

A fast and complete answer.

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An excellent answer. Thorough, yet concise. Cites (and links to)
authoritative sources that provide a wealth of background information
for each step of the analysis.

And all delivered within a few hours. Nice work!

excellent. thank you very much for your help!

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I'm actually not sure how to rate this answer.  On the one hand, it's
very well written and goes into great detail on the origin and history
of retirement ages.  On the other hand, drdavid couldn't actually
answer the question posed, and can only guess that the decision to add
1/2 year was "arbitrary".  This question may be more difficult than I
anticipated; I can only expect so much for a $5 bid, after all.

Thanks for your clear answer, drdavid. I will explore the resources you linked 
to. In reply to the person who suggested sending the answers to my dad, I 
assume that wouldn't work if he gave the money back to me, because that would 
be considered as an attempt to circumvent H-1B restrictions, I guess. Plus my 
dad would charge me a commission anyway... :) Too much hassle. Thanks again!

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Excellent answer to half my question.

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That was very informative. Thanx.

That was very informative!

So now I know who to blame...