1. Please do not assume to know what I "think", you are unable to know that.
2. 'Balance' is subjective.
3. 'Actual indication' is subjective.
4. 'We' is subjective.
5. I encouraged @Mala66 to post as he sees fit.
6. I am neither for nor against Roth, and, that's ok.
All in my opinion only, and, is not fact nor advice.
General discussion, page-10453
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