Thanks for your time and effort Mack.  
I'm here to help, if you will allow me.  I have more answers than questions.    
I worked my way through college answering the phones for Medicare.  I fielded thousands of questions from thousands of callers over the span of 5 years.  I am as close to a Medicare expert as there is.       
During my time there, I was disturbed by the lack of reliable sources of information out there.  I decided I would become an educator and I created a new source.  I recently made a DVD set called "How Medicare Works".  You can Google it.  I don't sell insurance.  I just educate.    
I would like to answer questions and establish myself if I am not stepping on any toes.