Thanks CJ. While I have been an investor largely since 2008, It is only recently, due to having a sudden unexplanned exit from working full time (health) that I have had time to be more proactive with my portfolio. My portfolio is even more important now to grow income for the future while mitigating the risks as far as possible. Finding this forum has been great. So much knowledge out there willingly shared, by the likes of yourself, Sparky, Moosie and many more. I hope, in time I will be able to become a meaningful contributor