The points you make are good and I suspect over a whisky we wouldn’t end up a million miles apart. Let me offer just a few quick thoughts.

What a wonderful post to become a Pooh-Bah with. I am nothing but impressed by the thoughtful, incisive debate that this thread has become. Mav, Ted, Keiva, Bob, Jo, Bingley, Whit, Jackie, and all the rest -- you are making me challenge my assumptions and question my world view with every post. Thank you all for being here. I think we could all use a good stiff one these days, and I'll raise a toast to you all.