I talked to a man today that is a project superintendent on a building of ours that is being remodeled. I ask him how old he was, 74 was his reply. I ask him if he started taking his SS at 66. He told me no, I’m waiting until I retire to start taking it. I almost fell down when he told me that. He had lost almost 250,000 dollars if he had started at 66. He would have been getting at least 2500.00 a month for 8 years. I was flabbergasted. I ask him how much his SS statement is telling him he will get. He said 3200.00 a month. He could have been getting that since age 70. I wonder how many people are out there like that.