This forum and it's members have moved way past the "picky days" of times gone by. A well known poster like you as an example, need not worry if IMO or JMO is left off, as we know you are not making any claims other wise.

Don't sweat the small stuff.

I'll ask, how much more collateral does a lender need than nearly 4 times the loan?

IMO, shucks.....the timing of Garry's update was for a reason.