Okay...one more aside...I can't help it...with the Fed bowing to pressure on interest rate hikes but incipient yet persistant long-term inflation occurring there's not much to do but optimize relatively short-term yields. I promise to try my best not to go off-subject again.

I once heard a debate regarding who helped humanity more; Mother Teresa or Bill Gates. This was some number of years ago [before the Gates Foundation really started making an impact] and I still thought that the debater who chose Gates won the debate.