Necro posting because I am interested in the same subject. i wonder what Concordia did. I procrastinated. She is just 12, and has a freshwater necklace from her grandparents waiting for her 16th. That leaves me on the hook for 18 and 21, and if I were prudent I'd put something away now just in case my plane goes down next month. But I haven't yet. Thanks, all, for the new info. Very interesting.