Please correct me if I'm mistaken, but haven't the moderators made clear that the purpose of this forum is to present actionable information rather than subjective appraisals of how things are?
If that's the case, personally, I think it would make the most sense to just let people post specific questions or their own experiences when it is in the form of actionable advice, each in their own thread, rather than trying to collect-up all actionable information about ACA in one thread; that seems to just leads to subjective comments about ACA itself.
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