God, this has come again and yet again. Thank you for another push today. You have painted a whole lot of scenarios, which is enough for someone to react. I like the fact that you are being realistic about it, using life realities. I am shy to say that I have not completed the homework. But the posts is more than enough reminder to stop that procastination and the search for a perfect timing. Thank you !LADY for sharing this thought provoking write-up.