Don't worry about fancy terminology and you don't have to do too much. Please don't take it as too serious or pressuring. I just liked your conviction behind what you said, so the little light in my head said, "there must be a reason he's adding on the way up."
Any info would be appreciated. We all have a LOT to learn, and to me, that's what these boards are for.
no hurry either.
These thoughts are just mine, not right, not wrong, just thoughts. Invest in what you believe in, not what I believe in. Do your research, and invest in the facts.