Would still love for others opinions and comments...
I would love to help you with those opinions and comments, MJ, but the moderator is delaying them by as much as EIGHT DAYS, and by the time my posts show up to you (ex.: "You're being naive, 12/29), they are buried 2 pages upthread, and you never see them.
Not sure why this is; must be a technical glitch. I think it has something to do with threads that are too long.