I'm just curious... what kind of insurance do you ladies have? My father is self-employed and covers his own health insurance. He's always been healthy as a horse (knock on wood, hope he always will be), but recently had a hip replacement after a totally freak accidently. Despite insurance, I can't believe the extraordinary cost... just the least of it is physical therapy, which is $300 an hour, out of pocket. Luckily my folks are pretty comfortable, but I can't imagine how devasting this would be to a family in less fortunate circumstances. Hell, it would put me in debt for a good several years!! I recently got a job with a PPO so I pay almost nothing out of pocket (so they say, but I really don't know). Man, I won't take that for granted!