Darm, Zep had a thread where he said exactly what you posted here. USMCCDS (who is an accountant) debunked every single point with references and and links.
Read through this and educate yourself.
Darm, Zep had a thread where he said exactly what you posted here. USMCCDS (who is an accountant) debunked every single point with references and and links.
Read through this and educate yourself.