Thanks for sharing your findings Shaun.

If one is considering using any real money, its up to the individual to do their own checking & possible improve on the general idea & make it their own.

That's the whole idea of sharing certain findings.

I sense a mean streak developing here.

I believe there is no need for uncharitable comments , otherwise no body, especially the newbies ,will put anything up for consideration.
Thus making the Forum empty as a ghost town.

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Cheers.