Oh gosh - you are only up to post #10!
I suggest you read through the rest and you will find that all your points have been subsequently discussed (not that you will necessarily agree with the responses!)
Sorry, but I am losing my stamina and no doubt someone else will jump in if you have further points to make.
God bless. ;)
Thank you for your respectful response. I will read through the subsequent posts to get up to speed.