Can't really fault you on any of that. Also, I do appreciate that I am carping from the sidelines here as I am not living in the US, so whatever works for you.

Can't really fault you on any of that. Also, I do appreciate that I am carping from the sidelines here as I am not living in the US, so whatever works for you. My intent is only in passing commentary, not in trying to tell people what to do. It just looks a bit risky from the outside, is all.