WOW! Charles, I’m impressed and I’m not often or easily impressed. I’ve lived life “on the road” intermittently throughout my life. The merino wool, google Fi and introducing me to Seneca with his quote are the big 3 I appreciated the most. So if you have any questions about traveling, semi-retiring, investing or living in S.E. Asia especially the Philippines feel free to ask me or take a look at my 2000+ answers at allexperts.com. Happy Travel Adventures!