Totally OT.

We found out today that our health insurance premiums (largest employer in the world, self-insured) are going up about 40%.
We will have to up the deductible so we can afford to still be covered next year.
But we are lucky, hubby got a promotion this year so his raise will cover the extra money we will be paying.
We never, ever, ever seem to get ahead.
This year our premiums were affordable, next year, not so much.