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I can't see a problem with starting late. More sense of consequence and maybe a little less testosterone driving you to act better then you are. I started in my early 20s like most and wasn't worth a crap on advanced work until the last few years and even now I'm sure some might call me...

Id laugh at ISA and opt not to affiliate yourself. What do they do anyhow? Honestly? The fact that they don't enforce ethics is why I have made the decision long ago not to join their club.