To Neil1959 from Zessina, page-36

Thanks @jcurve - brilliant research skills.

These posts provide further reading for additional research.

The posts of HCGhost (aka Happy Cats) references many of the same themes that I have been advocating recently.

https://hotcopper.com.au/posts/16907597/single

https://hotcopper.com.au/posts/13573962/single

https://hotcopper.com.au/posts/13574996/single

https://hotcopper.com.au/posts/13582262/single

And note how some of those who disagree with his views comment about why he focuses on QBL etc. when he is not a holder - same stuff.

And the relevance of this quote from one his posts seems very instructive - it has a familiar ring to it!

"Someone wrote on these threads something like "call the company and you'll get all the reassurance you need". A classic HC quote up there with the best."

ref : https://hotcopper.com.au/posts/13581705/single

I agree wholeheartedly with that sentiment.

"Those who cannot remember the past are condemned to repeat it."
George Santayana