and thank you, Jon, for a non-armchair response which tells us what the real, practical issues are.

It doesn't need any armchair comments from me; except I have to say that it ends in an astute observation:

Right now, learned helplessness is keeping these people on their knees, and it doesn’t need to be that way.
Thou art a worthy successor to the CAP guys of 45 years ago.

Regards

Mike