GN. You hit the nail on the head. However, I credit this site and the awesome contributors for my #5 status. (I seriously doubt I would be where I am at without it). I am so appreciative of the input I have received here and not just on this silly topic.
I actually tried to share this resource with my friend and her husband to help them get out of #3 status, but have only gotten the aforementioned ridiculous statement. **Sigh** It is impossible to help some people. 🙂