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Just a quick correction to the names that Al gave you, all of whom are excellent and highly respected. Kathy Miller is at the University of Indiana, not Philadelphia.
As for the 10-15% percent number, I don't see how they know for sure, and if you are in that group, then it is 100% for you.
No one can tell you when to stop. Only you can make that decision.
good luck,
we are all rowing in the same boat.....
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