[expat_panama]

True, my question was rhetorical, but I was hoping someone would post an answer.  IMHO what you wrote in post156 was very well written-- it was what I was trying to get across later but was unable to communicate.  

[AuH2ORepublican]

Thanks for the kind words. But you are much too modest; your posts were excellent (especially the one with the Scrooge McDuck-Goofy analogy).