I too have wondered these same thoughts Susan. The being one hour short of qualifying would be a thorn, even for a saintly type. I’m so sorry. The system does need revamping, and I, like you, continue to hope someone brilliant comes up with an elegantly brilliant solution. Which feels like a cop out. I’m not rich and I’m not brilliant. I live frugally. I care about the big picture, and I get overwhelmed with the suffering around me. I give what I can but really, I’d like to eliminate hatred. I probably don’t have that kind of time left.