I just couldn't help but reply to this thread as you'll see from my posts (or lack thereof), I'm a newbie to this site & yes I have been lurking for a long time. Not sure why this should annoy so many people but I guess it does.
Although not new to economics & finance I have learnt a great deal on this site and would like to thank HPC for the entertaining threads.
Right, I feel better now for admitting my crime of being a lurker/newbie...