^Solid advice 

, I almost felt as if I was reading one of my own posts 
 
 
As far as question #4 is concerned, no I have not read that but I'll have to check it out.  On that thread I use some of what I listen to on talk radio (Tom Lykus 101), some of what I hear from friends, but mainly what I experience first hand.   Glad you enjoy the thread 
