Archie, My grandbaby will be 3 years old this October. I set up a stock portfolio for her college education, tried to teach her to eat with a knife & fork, taught her how to operate a mouse, & most importantly, began teaching her how to shoot craps! She has her own special set of dice, a small layout & knows such terms as , "YO-leven", "I'll buy the odds", "Gimmie all the hards for a buck & here's a few for the boys." She calls chips "fichas", and can speak both Spanish & English. I am going to try to teach her Urdu, but I think we'll wait about 6 more months. I will be signing her up for club membership this July.