Thank you Andreas for your remarks. Agoracom is outdoubtedly the cleanest, most respectful financial forum on the internet. Guidelines need to be followed to keep it that way. Thanks also to all the members herein who have done their best to be respectful of others & can exchange ideas without becoming hostile. Afterall, none of are perfect - if we admit it ,we're all wrong at times. Better to say one's sorry or thanks for giving me info' or another opinion - one I hadn't considered - than to stoop to the opposite form of negative behaviour.

All the best to everyone!