Thanks to LomondSnowstorm, Lorenzo and A Winter's Tale for the posts above - it clarifies the current picture for me. I agree with Hairy Celt that you guys present it clearly and at least on this thread you don't have to wade through the emotional peaks and troughs of dallas on the MT thread. I do understand why people are so exasperated as the 'goodies' keep staying just on the edge of FI, but I guess this will just be a slow transitional change for us.
Happy Birthday to BleakMidwinter - hope you are having a good day!
And what a treat to see the sun today! Sunny, but brisk in the wind - lovely!