What were your credentials again? Oh thats right, you have a bank account! Hahahahahahahahahahahahahahahahahah
Whatever my credentials, they obviously exceed yours because I read and understood Toro's post. You still haven't.
So you have no credentials. Got it. So everytime you make fun of someone else and what you perceive as a lack of expertise, you are in fact speaking from a place where you have no idea what you're talking about.
Remind me what yours are. Are you a banker today or a lawyer?