Jeff mentioned that I should link an article he and I collaborated on together. So, go here if you want to read it:
Some of you were gracious enough to either contact ppl to help with my list of questions or answer them yourselves and THANK YOU. Without you and your help and the honesty I received, this article would not have been possible. I can tell you that it has been a huge eye-opener for MANY. (myself included) So, thank you again.