No problem. I just got up on the wrong side of the bed today, and other issues keep piling up too. Besides that - I refuse to consider myself "elderly" until/if I make it to my 80th birthday! Until then, I am just a senior citizen!
When I read this I thought, whoa boy, Pom's on a roll this morning. I feel your pain, Pom. I'm going to be 60 in February and right now I have mixed feelings about it. I think the closer I get, the more in denial I'll be. That IS unless I can go away to a nice tropical place with white sand and blue water. Not likely though.

As far as scams are concerned, I trust no one, so I don't worry about being scammed.