I am still rolling on the floor in pain, laughter, and recognition from the truth in what NewWorld has posted!  I vote that his rating explanations be adopted by myFico, and sent with every CR they send out!

But alas, as I am only a green rank major, I still must dig in my heels, and reduce my waistline (not to mention my wasteliine)!  At least I no longer have to sterilze the seat upon I once shat!

This post by NW hits it right on the head!  .... still laughing at the reality....