My visits over to NH are steadily dwindling. There's always someone who's panties get bunched, there's always someone who tries to debunk your personal experience
with their opinion
(how you gon' ask Keeny if she really knew her mom's income/expenses?
) and a sabelotodo who pretends to have expert-level knowledge on any given topic (but we know you just googled the subject, skimmed a few sites and are now trying to express your newly formed opinion as a fact
So I take much of what is written with a grain of salt... .
/ <-- a grain of salt having a seat.