Ah, my old friend,
The Guvnor. Welcome to the fray.
You have placed your querying digit upon precisely the same points that I ponder myself.
Rest assured that I have on my rather thick spectacles and am delving into the relevant tomes as we speak. When I have arrived at an appropriately considered position, I will come back to you.
Meanwhile, I would enjoy hearing your own view on the questions you have put?