It's as good as some not as good as others...
A word of advice, put in all that you can. It's easier to learn to get by without it in your hands, you will learn to do without that extra, even if they don't match beyond the 6%.
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Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming ...."WOW! What a ride!!!!!"
LUNCH with THEOLDMAN...On a break for now...