Ray & All: Most of us, unless a 20 yr + retiree are not eligible as you say, how-some-ever, perusing that website , I did find a very few that said they were also open to the public, with priority given to those who meet their primary criteria. There is also some "Guesting" allowed with same limitations. All said, it sounds like those of us not 20+ vets, don't get a lot of shake on this. Thats ok, those guys earned every bit of 'Bennys' they can use.