RE:V45, your assessment numbers are off in many ways.Well, V45 did offer *two* scenarios, not just one. Both are equally plausible and that doesn't mean I think your contribution is out to lunch either. Having bought a few hundred a couple of months ago, I'm trying to find the right time to change that holding into a few thousand. Early August is my best bet at the moment but I have no more skill in timing the market than anyone else has.
Finally put rookie on ignore (and find out I'm one of many). Peace at last.