Puritan,
Perhaps back in the 80's if you had marketed your tag line...
“THERE ARE NO GUARANTEES WITH ANY OF IT !"
...stuck it on the front of tee-shirts, stood outside OAT and Cabair and sold them for £15.99 each, you yourself could have paid for a type rating and got to where you are today, far sooner than, 'well over a decade', that you talk of...
DrP