You don’t get to pick and choose what you want to quote and then try to hammer me for what was in the post to begin with. Here… read the whole article and learn something from it. You asked the questions and I posted a couple of paragraphs from this article that answered some of your questions. Just trying to help you out CAL…
https://apnews.com/article/f5f65e7e61d6aa9c7dfa193053e8878a