I corrected myself by using out of date financials, and happy to...

I corrected myself by using out of date financials, and happy to eat crow. I still learn to read financials, I am an amateur. But not sure what you try to achieve by attacking me over it, it just makes you seem like an asshole. No need to take things personally in a discussion forum if topic is not steered in direction that you want.

Good job on Xero. I know nothing about it. What is the connection to PLY and why bring it up?

And was not nitpicking of 'For Personal Use' watermark, was genuine query as no such watermark on statements I download from my broker.