I’m assuming they leave you out of the room during brain storming sessions. Guy asked about a program and you have added that you don’t think it works and that you wouldn’t buy it. Enough said. I think at this point everyone knows where you are coming from.
Intellectual discourse means finding things out. Seems like a fairly decent excercise. As the excercise progresses it often times reveals alternative benefits such as whether or not it makes sense to prepay a loan regardless of the method.
