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Okay, this isn't the advice you asked for AND it's hilarious coming from me, The Worlds Biggest Obsessive Worrier - but seriously, take a year off from worrying about this right now. Not to be morbid but at 88 yrs old, every additional year is like aging in dog years. Things could change a whole heck of a lot, very quickly. And if it doesn't - you've still got three more years to worry about it then.  It sounds like you could use a break. 
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