Now this is the kind of rebuttal I like. Seek first to understand then to be understood. I will reply soon it will just take me a bit. But I want to thank you for taking the time to construct a well thought out piece. Please be patient but know I intend to discuss these brilliantly put points of interest with you. I agree to a point with what you are saying too, but I feel all of your points lead to the same cut off point and you have solely placed blame on others instead of the most deserving.