David, may I suggest you follow your own advice, which is :
"These forums are here to exchange ideas & for people to learn in a friendly manner not to be smart."
Not everybody fully understands the weight ratio situation, and as it is mainly put over, towing at over 100% is not the recognised "norm", but rather the exception.
To assume Frank was being "smart" was not the wisest thing to make assumptions about.
Your post was edited because there is no need and no excuse to make derogatory comments at other forum users, and will not be tolerated.