That is a great answer - notice I said "evaluated", which you clearly have.
I noticed a cloud version of something which also severely limited what could be done
on the grounds of an easy life / "security" maintainability.
Using the latest version of anything is a risk - think Windows 8! How long did
it take to rollout Windows 10.
Glad the virtual overdraft has been reduced, as for version stick with the stable known version until there is
overwhelming need to change. It is definitely a benefit to be playing and taking the risks on other projects,
keeps it simple here!