IB. absolutely no racism, no shoulder chips, just facts. i was adding to FCOM 5's elaborations in post #18. i am not in anyway defending the dual-rated bond jumping rat you mentioned.
i like your choice of words IB. conundrums? at least you agree. but by diluting the issues by calling them that sounds defensive. at least i say what i mean and mean what i say. visit HR and you will see one of many reasons i've become who i am.