Great Catch
You guys (and gals!!) Thank you SOOOOO much for the info, I now have a clearer picture (altho it could be the hangover dissipating).
It looks like I'll go "all-in" for at least the first year.
"To golf or not to golf?", what a silly question!!
A special thanks to my wife for working a full time job so that I may pursue excellence in sport!!!
"P"
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