Seriously, thank you for doing this. People like you are the only reason
I keep coming back to CB (albeit way less frequently than I used to).
You have a lot of useful knowledge and you could just decide to keep it to yourself, but instead you take the time to write it all out, in detail. And no doubt it helps a lot of people...probably way more than you think, due to all the lurkers that don't even have accounts or that just never post.
I'm a big personal finance nerd myself, so I've gone through and learned the DIK through trial and error. Never heard of DAF until now, so I'm going to look into that.