Which clearly shows the issue.
The first reaction was a very reasonable one, albeit provocative. Many reactions to the provocative part, little on the subject.
I'll make an exception for riclag. I nearly always disagree with his posts and opinions, but he did answer the question.
I'm not retired and like to stay abreast of the opinions of others, but am often amazed at the gullability of many posters here. I like to call out trolls, many of them these days.