so.... what have I missed?
20 years ago the guy building the shower in my master bath put some nails about 4" too low. 20 years later, the shower tries to come through the den ceiling. Insurance covers the damage, except to the shower since that was an installation problem. The damage is less than the deductible. The fix to make it look like a 20 year old shower costs almost as much as a remodel. So I've been preoccupied... trying to find a gun.
/rant
But yesterday was my last day on reserve, I might quit reserve. swap with the pot is a bit addictive.