I call BS on # 15: Why would anyone under, oh, say, 95 years know, or be expected to know, or want to know something as ludicroulsly stone-age as how to write a check? (And why wouldn’t anyone _over_ 95 actually know already?)
Not buying it.
Oh, and Medium.com: Up the standards of your e-mailings. Wonder how many unsubscribes you got over this one?