Too bad there are not six , seven, ten stars available...these guys deserve more than five! Devin Carroll and John Ross have been incredibly helpful demystifying Social Security and especially Medicare for my family. I spent too much time trying to have questions answered on government sites and other non-governmental web sites. Devin and John have been the only two that have been able to answer my questions simply and accurately. If you have questions about Social Security, about Medicare, about other retirement issues, look no further. This is the program for you. It will save you an enormous amount of time!