Excellent answer, Tom, and I agree with you completely!
One of the dangers of relying on any advice from others, here or elsewhere, is that it's entirely possible to give a correct answer to a question asked, but as we've seen in several topics very recently, after multiple queries from those trying to provide useful guidance and answers, the actual fact pattern was revealed to be vastly different than as originally presented to us! And that, my friends, is one reason we never help those from the general public that stumble in on occasion.