It’s not a doctoral dissertation; there’s fact mixed with opinion; I’m open to constructive criticism, and to suggestions for improvement. Abuse? Don’t bother.
If you wish, you’re welcome to republish my content, provided you attribute it to me, and provide a link to this website.
I’ve written at length about what I’ve learned in retirement here: Notes for Our Grandchildren.
Katikati, Bay of Plenty, New Zealand.