I know I am sounding like a whiny baby, but I guess being 36 years old is a dilemma as I have lost a whole 40 points (my current crs points are 437). I get the focus on age, because the older you are the less number of years you have to contribute to the economy. But, here is another way to look at it. I am 36, with a 14 year career, which means that I will enter the market with presumable more skills, more experience and a higher salary - which means higher taxes. I also have more money saved up, and is far better off stability wise than say 10 years ago...Yet my age is used as a disadvantage...I could understand if I am five years away from retirement...sucks so badly...ok end of whining.... ;D ;D ;D