Forgot to say, when the gov'ts are putting so many millions in peril and will not provide accurate #s so people can protect themselves,

Likewise, this is the opposite side of the same coin and still leaves imperiled people at a loss as to what they can look to as reliable reference to protect themselves.

Phd notwithstanding doesn't bring responsible guidelines when they are needed most, and just as evil even if the problem is immaturity.