Hey chain gang. New to this world not even 1 week in yet but hoping to learn ALOT. NPR got me so curious that I had to see for myself. This community seems very polite and that is it's own reward. I am not not familiar with this new to me techno, so please forgive my errors. These new approaches gives me Hope for a better future. I like "be your own bank". That rings in my ear. I wish good for you all.