Just a change in my priorities ... I had come to hate banking ... actually that's not exactly correct, I had come to hate BANKERS and I was ready for a "lifestyle" career change that provided more "quality of life". I now have much more flexibility in my schedule with a lot less demands and stress. With my children grown and financially independent, I'd reached a point where chasing $$$ wasn't as important as maximizing the quality of what remaining years I have left and grousegal is very supportive of the new low stress grouseguy. I'm sure you've heard the saying ... "No one on their deathbed ever wished they had worked MORE" ... well ... I've made a decision to NOT be the guy with those regrets, and I highly recommend it for others.