[bertmerc1]

I would engage a fiduciary financial advisor who makes investment decisions with your best interest in mind. A financial advisor who isn't a fiduciary may recommend products for which they receive a commission or other form of payment.

[ridesthemiles]

First-—I would recommend a full IQ test for both of them.

I think the rabbits living under the pallets under my hay stack are smarter-—THEY have free rent & a safe place from the coyotes.