dhyams, I just copied the points you made so I could respond individually. Makes it easier.
I don't think for one second think that the lack of responses means I am correct. Its part of why I've become passionate about it in this thread. I see the tally up top, I am a CPA, I live in AR. I am used to my thoughts having not bearing on anyone. I have even sent emails to moderators here, of opposite beliefs, to make sure I'm not out of line.
I'm not seeing this as me vs you. I can appreciate the debate and will undoubtedly learn something by listening to a differing take. Everyone should listen to both sides.
Alright, back on track ... Healthcare ...