Cadet, thank you for your reply. I also think Eric gives great advice, that was not what I was questioning. I was simply saying that it is good to know someone's perspective, and experience. And to illustrate it I gave an example. Everyone's experience colours their advice, as a rule.
I don't disagree with anything else you said or are saying to me. Just that it is OK imo to say - what is your background? What happened in your case?
