Al, thanks for your response and expounding on the topic so accurately and concisely (as usual).
Knowledge is always the key to effectively mitigating any risk, large or small.
An appropriate euphemism would be "look before you leap".
Its that simple, I think.
When someone figures out a way to effectively try everything, please let me know. I may be the first to sign up, if it works for me.
Meanwhile, the reality is each individual will have to make up their own minds regarding value propositions and how to most effectively spend their time and $$$$s.
Reality is such a downer sometimes. At least most of us are free to choose how we spend our time. That's a big +++.
