Again, there are many ways to do this passive resistor load. A lot of these techniques, including the ones used by many commercially available load boxes, don’t maintain a constant impedance load to your amp as you change the attenuation. People debate whether this is important. You can search the net for these discussions. I decided I wanted to keep a constant impedance load to my amps.

The most vocal are those who are complaining that their mortgages are more than the value of their houses. So what? Isn’t that true for most anything you take a loan out for?