doctuer, thank you for your amazing reply. You communicate a wise confidence…

It’s cool that there is such a mix of people here.. different professions and specialty areas.. yet at the same time most seem pretty moderate and low key about things.. I guess we’re all interested in housing situation.. I’m surprised that a ‘financial/economic’-ish forum is so friendly and not overly technical or number-crunch-ish.. very cool. Good mix.