I use SN and LN Markets most, so far, but I am new.

I think you may be right. I am always concerned, because I am the early adopter in my circles and my experience says the best tech does not always win. Many people seem to want to be led. We are on the way though. I am more excited and enthusiastic about money and finance than I have been in ages. And I got a degree in finance in 2004.