I don't agree with Dave obviously on some of this but the attacks on him are unfair. He's a good man in my opinion. His point of view is that fraud is pervasive so if you want to keep collecting at all, it isn't rational just to selectively cut off the fraudster of the day, you have to be careful everywhere. I get that.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
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