Everything you REALLY need to know starts here:

<p>OP: I’m one of those CC addicts who rarely post. In the three years I’ve been reading thousands of cc threads, your post is CLEARLY one of the best. Kudos. </p>

<p>I really really wish I’d read your post, or one like it when I first came here. </p>

<p>Lafalum: As good as the OPs post is, all of that advice is secondary to “Love Thy Safety”.</p>