djmurray_12-31-14 Thank you for your beautiful message, DJ, I have NO doubt that you will be entering the 6% club next January and I will be there as a not quite so baby elder, to welcome you. I have no choice about my honesty, sometimes to the great dismay of my three children. I am an open book, a somewhat tattered and burned open book but an open book nonetheless. I have thoroughly enjoyed your blogs since the very first one and I look forward to each one. Thank you again, my friend.
