i think the insurance scenario may be sorted, i called the company that we have our life, car and renters` insurance with and they gave me some good advice. apparently when you purchase family insurance, there is the assumption that there will be addition children and your rates are padded to account for the possibility of pregnancy. vic and i decided that we`d done enough for the planet`s population so there are no more children in our future, so we`re getting individual policies for her and the boychick; with the same deductible as i have in the office but no vision; for about 75% of what it was going to cost me if i kept them on the plan. i have to say i`m really pleased with that. the difference in take home now that it`s just me will cover the added premiums without making us destitute.