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.