SoCal App...A bit of thread drift going on here (nothing new), I agree with you about the standard of training (prepare for flack from FI's) a lot of FI's these days are just hour builders, in my day (God I feel old!) FI,s were, in my experience, dedicated to their job. You ask the average FI now to teach you spin recovery, most of them haven't had enough training themselves! Ask them a simple question about what to put in the 'holders operating capacity' column...Well!!...So I do agree with you, although
bose-x could have been a bit more polite.