SAJ, I'd like to take you out to dinner and have a good debate, but I'll settle for a late night give and take. I think we're parsing pennies at this point. We both have different business philosophies, but I don't imagine that we're that far apart. I'm really sorry to hear about your wife, btw.
If you ever get round to St. Louis, do get in touch. I'll match you for dinner, and it's entirely accurate to say that I know the best places to eat here, having infested this city (or vice versa) for some 30-odd years. All kinds of fine cuisines available, but NOT San Franciscan if you get m'drift.
FReegards