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To be honest, I don’t know that I could add one bit to Selco’s insights. Excellent article! I’m just thankful to have been pointed to this site and have the opportunity to consider my own positions and perspectives, and change some accordingly. Thank you Selco, Toby, and those that work with you to help others better understand what only those that have “been there, done that” can really truly understand. The rest of us can only intelligently plan for it as best we can, and carefully try to understand the perspectives of those who really do know.