Good morning HowToPickLosers.  As I noted, this is my opinion and we all need to do our own DD.  There are no blanks to fill in, as I gather information, look for business connections and move.  Just as we do for any comments on the board, folks need to decide if a comment makes   Feel free to discard the idea, as I do that to a lot of postings.  That's the beauty of sharing.

But I'm sticking to my theory util it's proven wrong.....by actual events.

Go ICPA !!!