pr, I can be pretty lenient where completely idiotic posts are concerned so long as the poster doesn’t (a) hold themselves up as some kind of expert in the field (as golfgal has) and (b) belittle a particular idea when, in fact, the complete opposite is true (as golfgal did). If she wants us to believe that she holds some degree of expertise in the world of finance and that her opinions should be taken seriously then she shouldn’t post ideas that are 100% completely at odds with reality. As I’ve reiterated on occasion since I started posting here a couple of years ago, I’m often an unrepentant prick. But, then again, I’ve never had any interest in winning popularity contests.