This turned into a wild and (perhaps understandably) aggressive discussion. After reading all of the back-and-forths here, I just wanted to thank you for conti

This turned into a wild and (perhaps understandably) aggressive discussion. After reading all of the back-and-forths here, I just wanted to thank you for continually being the clarifying force in this discussion, even amidst the downvotes and fallacies. As a 41-year-old urban homeowner, I knew I was in a lucky category, but I didn't realize how difficult it actually is to know how lucky based on the available data.