This, my friends, is what it looks like when you plant, pivot, and tear your ACL. It happened three weeks ago at Luther Bowl, and was confirmed when Tom finally saw the orthopedist today. Looks like the first of the year will bring surgery and rehab. Ironically, I chose the payroll deduction for Tom's flex benefits yesterday, before we knew that it was his ACL. Fortunately we will have a "Qualifying Life Event" come April, so we can increase benefits then if it looks like physical therapy is going to burn through our benefits.