Fair enough. It just seems everyone is correcting my notes. I suppose they think I'm fair game, in that I lack overall-knowledge/education.
I think it's just the give-and-take context of this site (and I don't mean that as a correction), and you seem sharp enough to me.
I don't know where you stand in your education, but a quarter century ago I was a 30-year-old college freshman; I spent six years, 12 months a year, on a full-time class schedule, having the time of my life. But in the years since, none of my employment has been directly related. Some of the most intelligent, insightful people are neither academics nor academically trained; some folks think outside the box because they were never stuffed into one.
Formal education is great, but I'd rather engage a keen mind than a well-drilled one.