I was replying to army judge, I hadn't seen your reply at the time. Thanks so much for reading and the thoughtful reply, I did appreciate it and I won't look down the investment club alley anymore.
You could have said that without sounding CONDESCENDING and using weird EMPHASIS. But OK, I guess this wasn't the appropriate venue. Bye then.
P.S. Software / math forums regularly get questions 100x times more complicated and specific than this, and total strangers do look at them for free...