This thread is now in the Local Chapters and Bogleheads Community
Welcome! We have quite a number of "lurkers" out there, meaning those who read this forum and don't join.
You are now "officially" a part of the community and have already contributed by letting everyone else know that our efforts are appreciated. Thanks.
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.