Oh- as one other side note... I'd be careful about some of the advice that you get from FI.com these days...
A lot of the knowledgable folks have moved on to other forums, and there are a lot of "experts" over there that really aren't anything other than posers. Not to say that there may not be some things worth reading, but I for one don't bother to dig through all of the chaff to find what is worth my time.