Lori! Wow! Totally on the mark.Thank you for your thoughtful and open response. It’s so true. Sometimes folks rather take the money instead of the old adage of taking care of one selves. I don’t knock what they do and that’s their prerogative but I rather be transparent/open about the type of advice I give to others without going way out of my scope of work. I really appreciate folks like you who tell it how it is.