You have your investment process down pat @madamswer. I really appreciate your taking the time to respond.
I am vaguely familiar with IOOF's troubles from a couple of years ago as well, as it generated a lot of financial press. It is interesting that it turned out to be yet another case of the pot calling the kettle black.
I am also slow that way (or rather learned to be after my early misadventures in this investing lark), only I have not been endowed with your excellent mental faculties and penchant for considered and articulate writing.
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