Appreciate the reply. I guess it's all perception. If I was in my 20s, I'd have the time and desire to dig into it and figure it out. Alas, I'm in my 40s and be

Appreciate the reply. I guess it's all perception. If I was in my 20s, I'd have the time and desire to dig into it and figure it out. Alas, I'm in my 40s and between work and family I just don't have the time for those things. Maybe when my kids are a little older...