AVERAGE GRADE*
      1  LAS VEGAS               84.5
      2  ST. PETERSBURG- 
         CLEARWATER, FLA.        83.9
      3  BELLINGHAM, WASH.       83.2
      4  FT. COLLINS-
         LOVELAND, COLO.         83.1
      5  MEDFORD-ASHLAND, ORE.   82.4
      6  TUCSON  82.3
      7  COEUR D'ALENE, IDAHO    82.1
      8  TRAVERSE CITY, MICH.    81.8
      9  PHOENIX-MESA-
         SCOTTSDALE              81.7
      10 MELBOURNE, FLA.         81.4
      
      * Average of grades for cost of living, home affordability, climate, personal 
      safety, services, job opportunities, recreation
      DATA: RETIREMENT PLACES RATED
      
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