Lawyers suggest a legal disclaimer, so here’s mine: every thought on this blog is my own, I’m responsible for what I say, when I say it, and reserve the right to clarify and correct. I own all errors, gauche comments, TMI’s, curses, and attempts at humor. Mistakes are my own and my fault. If you smile during your visit to this blog, give me credit, or at least a break next time we meet. None of this is to be taken as legal, financial, accounting, investment, tax, or any other kind of regulated advice.