The bottom line in 2007 is that enrollment costs are going up substantially, drug coverage is declining and the brand name coverage in the doughnut hole is being eliminated. . . Medicare D is an insurance program, not a benefit. As consumption increases, so too will cost. The changes in 2007 clearly demonstrate the limitations of the program.
If you let anything infringe on your writing time, it will. And you won't get the writing done. Taking one day off can cost me five days of getting back in the mood. Going out to lunch can cost me anywhere from five hours to three days. And for me it's not worth it. For my own sense of well-being I have to finish my work before I can play.