I think you were accidentaly conflating the two users sumanthvepa and saurabhtandon (happened to me too, btw). Personal attacks aside, you point still stands a

I think you were accidentaly conflating the two users sumanthvepa and saurabhtandon (happened to me too, btw). Personal attacks aside, you point still stands and I want to thank you for bringing some actual financial expertise into the discussion :-)