Thanks for your detailed answer! My love @jkiw will soon teach me how to use the "chat" - that might be a better place to continue on this topic? I fully agree to what you write - and it's been our preferred choice for quite some time. I like what Clif High is saying on this (and other) issues. Digging is very good indeed! and not having to go to a bank, too. By the way: it's surely not for no reason (sorry for that) that a bank had been called a bank - in German, a bank is what is called bench in English, something proper to sit on, with others. But this is deceptive and misleading, isn't it? Cheers from the slopes of Mount Ölberg in the Seven Mountains
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@fishyculture is intimidated by chat, I have to learn that myself and have very little spare time right now, but I will try to start up the learning curve!