Hi, long time listener, first time caller. I want to encourage all of you regulars to please keep your elbows sharp and stay engaged with each other on this forum. As a layperson, often barely able to comprehend much of the sophisticated analysis which takes place on this forum, I welcome all of your advice and divergent points of view. I dipped my toes into LC and Prosper last March/April knowing little more than what I saw on a CBS Sunday Morning show. This forum educates me (to the extent possible), encourages me (my first default wasn't the end of the world), and warns me (avoid irrational exuberance). Despite the sometimes strong disagreements, it should always remain game on. Thank you, I'll hang up now.