Hi David.
““Fortune favors the Bold, Chance favors the Prepared” – I like that one. Most people seem to think that if they ignore things and bumble along in their lives everything will work out okay. Be prepared is not crazy, but about as sensible as one can get. Welcome to the forum.

Bugs Bunny: "I speak softly, but I carry a big stick."
Yosemite Sam: "Oh yeah? Well I speak LOUD! and I carry a BIGGER stick! and I use it, too!" BAM!