I just have to say that Ernie's post is a good example of the unscrupulous people that are out there. If you try to be up front and helpful such as Ernie was, and you get THAT kind of reply... that is a huge Red Flag, and as pointed out, justly so.
I think the whole 69 TA section of this thread can more or less be summed up in Vikki's last post... Unfortunately, we all need to protect ourselves and do all the correct research to ensure WE, know what we are buying these days.
Good points by all, and as mentioned, educational!