Appreciate the insight into neoxian. I saw his upvote on two of my posts and did wonder who he is. I did see the bank part, but did not realize he is a witness as well. You are correct by stating he is an economist. Thanks for the info. I hope he comes across your post.

If he does stop by--thank you for the upvotes. I can't afford the $1sbd to say thank you via the wallet memo, but thank you nonetheless. :)