https://hotcopper.com.au/threads/in...pdated.4048786/?post_id=31402621#.WpyeZ2acaXQ
https://hotcopper.com.au/threads/fundamentals.4006588/page-15?post_id=31238536#.WpyfYWacaXQ
Just want to bump these two posts up for anyone new or anyone wondering why the interest.
Also worth reading anything from saltiga, eshmun, jimone to name but a few.