Funny how Dean, our lawyer, Owens, etc. all say otherwise. How did you get so smart?
Sigh! It seems that I now must reasonably withdraw even the slightest suggestion for you read, analyze and at all think for yourself at any level. So be it. This isn't of any long-term, selfish concern to me, and you'll be the one living with the results of your "thinking". Once again: Good Luck!