Not in the process, than why comment without doing 5 seconds of research - the board is chock full of the term LTR yet your oblivious to the abbreviation.
Stay in the shallow end of the pool, with your arm floaties...
Your remark regarding Pensioners comes across just like your first post - obviously you has a stick up you Azz lol. Yes I am a Wealthy Pensioner with 2 Pensions and other streams of income that total over 15K US a month - served 30 yrs in the military and in combat so I apologize to you or no one else...