PapaBill, thanks for a thoughtful reply. From one non-chair hog to another, I think you're very observant. Those Moneysworth folks must have nationwide chapters - we run into them all over the place!
Isn't it funny, though, that no chair hogs have as yet replied to my query? Could it be they just don't have the courage of their convictions and are too embarrassed to defend themselves?
Still waiting to hear it straight from the horse's mouth. . .