Mike --
Our eleven-year old (and her Mom) bought a horse -- yep, there were hay bills, vet bills etc. and yes, all the horse shows -- but the ol' adage about buying a young girl a horse and she'll never get in trouble -- is true. She learned responsibility (she fed, groomed, cleaned etc), and confidence -- never a bit of problem as a teenager, and grew into a charming responsible adult. (Who's now thinking of a horse for her girls). Give a boy a boat and a fishing rod and a girl a horse and saddle -- it works better then any of the garbage the child psychologists prattle about. Good on ya, Mike -- git that cute kid a horse!!!