Those are some good plans, thank you. My state still has some personal income tax but it's at higher income levels. ND is a rich state with all the oil. It might not seem like it because most of us are pretty down to earth but it does. One of the richest people in our town, when he's in his work clothes looks like he sleeps in a barn somewhere in the mountains of Kentucky and nice as can be, as well as the rest of his family, I visited with him and his family many times when I worked in a gas station here. Let me tell you the cars they drive...well they're nice, very nice. I know not to judge a book by it's cover lol.