More than not,older are indeed wiser. Wouldn't be old if too many chances were taken. Many is the time I've seen scud runner youngins take the chance while older pilots sit back and watch and shake their heads in disbelief. If one has their health and still like to fly,why retire? Not sorry some are butt hurt with the statements I've made. I didn't get this far in life caring what other people think about what I say.