Thanks Wishing for your clarification.

Agreed that there is no need to insult anyone. This is where we meet to exchange information and express our opinion. I treat this place just like those little "investment clubs" where several collegues/neighbours, usually about 4 people, max 6, would meet every Sunday for morning coffee, or in the afternoon for something else, to discuss potential opportunities for building their retirement portfolios. We can picture a congenial atmosphere in such meetings.

GH