Two I am not going to get in a pissing battle with you..I have NOTHING to gain ..as for talking "down" to you I do not even KNOW you so why would you say that...none of my post were directed at you BUT YOU on the other hand make THIS statement " Many of us either are or have been in business for ourselves. Not just working in another's shop. " ...give me a break...its sounds by YOUR tone YOUR the one talking down to ME..you are entitled to your opinions ...I am curious though ..how can you pick up on my "tone" when you cant hear my voice ...ASSuMEing again ? By the way just for your future reference
tone [ tōn ]
noun (plural tones)
Definition:
1. distinctive kind of sound: a sound with a distinctive quality
The first bell has a clearer tone.
2. way of speaking: the way somebody says something as an indicator of what that person is feeling or thinking
a defiant tone in her voice
Bubba
So it is a friendly thread after all....

Bubba, whether you take offence or not is irrelvant to the fact that none was given. I certainly don't take insult when I don't know the qualifications of the source. Just not worth the time.
The only thing pointed out prevsiouly stemmed from your own words. Roger offered a fair, extended and informative explanation of something. You came back saying something to the effect "finally, someone has a clue."
Two things there. Roger's post, he'll be the first to admit, was informative, accurate and even professorial. But it wasn't in any way profound. Just the intro lectures to Freshman classes in Business 101 and Finance 101.
Grasping that post, therefore, with "finally, someone else has a clue" seems to suggest on the one hand a belief that no one else does and, conversely, that the proverbial light bulb suddenly turned on over some relatively basic information. Neither of which were helpful to you at that point in your conversation.
You can cite rudimentary definitions as sarcastic references if necessary to feel good about your position. That sort of nonsense is both sophomoric and (also) irrelevant. But if it helps you please feel free.
Also not sure why you tend to get so invested in what is otherwise a pretty basic conversation. If you want to continue the conversation I've found it enjoyable to follow so far. If, however, it really is some sort of pissing contest you're after please know I never opened my fly to participate. I only do that when the topic or object is worth the effort and never when it's just a recreation like the site here is supposed to be.