Oh no - I believe you.
I frequently have no experience dealing with the issue being discussed - I read, research and try to learn.
When offering a suggestion/explanation, I always use shifty, lawyer type expressions like; "probably", "as far as I know", "it would appear", "seems to me".
Helps avoid dialog like this:
OP: Well I guess no one was interested in answering this one. No problem as I did my own research!
Long time respected member:
sometimes people need to research answers to give good advice, so a day or two is not unreasonable
Me:
sometimes people need to research answers to give good advice
Huh? You're kidding, right? If I don't know the answer, I just make something up!
When you're not online, I just go to
www.chengnymakesitup.com
Actually I was interested in this thread, was looking to see what folks thought.
I hear of folks trying to alter the system but am not convinced,
thing is I don't feel qualified to argue the case just yet.
Also not to sure if the truck was FI or was that post saying 4b
I am always impressed when a question here gets an answer in under a week,
most folks who know something have full time obligations offline.