My grandma went to the big annual farm show this month and won first prize in a raffle. It was a week's vacation in Hawaii. She turned it down, and requested second prize instead, a $100 savings bond. "I've already been to Hawaii," she said to my dad's protestations, "and besides, I'm 84, too old to go tromping off to an island."

"Yeah," replied my father, "but you accepted a savings bond that won't mature for 30 years."