Nothing wrong with agreeing to disagree!  At least we can be civil in doing so and maintain mutual respect. 

And yes, I have been looking at things a little more "deeply" lately, and recognize that IF S&L were interested in a real "rape and pillage", we'd really be hurtin' right now.  Yes, we're suffering to a degree (and are feeling it), but it could easily be a whole lot worse if S&L were so inclined.  They obviously are not, hence the consideration. IMO, these days they are our friend, not our enemy. And I'm thinking that this is the way it will stay.

Have a great evening!

SGE