Thanks!

Great to hear you have benefited - but never put yourself down as thick and obtuse. The world has quite enough self fulfilling prophecies, even if you have found that you need not stay in confusion : )

Sal, I "second" you're a genius (esp in math and banking/money) my two core interests. You have a gift in explaining ideas in math/banking/money very easily. "You are the best" - however, it gives me the chills that my college teachers werent as smart/wise and gifted as your are. Explaining/teaching in very simpleand basic terms are the only proper way(s) to convey ideas. Anything else is "filtering out and/or brainwashing students period.