Glad to see that of all the posters on here, you specifically regard COH, Stoll, and yourself as "intelligent", and the qualities you perceive that group to possess are the earmarks of intelligent people.
Damn, I wish I could disagree.
I guess, however, that leaves out regular Joe's, like myself, who have worked in their chosen fields for over 30 years, and regardless of the unspectacular salary, have never missed a payment of any kind, on anything, have been married to the same person for over 30 years, have 2 adult children who are successful and happy in their chosen fields and still enjoy hanging out with the parents and even exhibit the same positive character aspects their mom and dad insisted upon. And, as a couple of Godless libtards, I did serve as Chairman of the Trustees for my church, and my wife did run the church youth program for years.
It must be the negative impact of my 89 year old liberal father, who is not very wise, according to mushroomdick. Of course, he has been married to the same woman for over 70 years, has an engineering degree from a Big 10 school, rarely missed a day of work, has 3 kids who all went to college, and made a good life, and all from his humble beginnings in a one room school house where 1/4 of the students had the same last name as he did...as did the principal.
I know this post was not nearly as interesting as those clever lawyers like COH and Floor put out, but I guess if ignorance is bliss, I'm blistered.