I was on my phone before so I could not respond as thoroughly as I would have liked to. I sincerely appreciate what you are doing here today. Not only did you provide a great explanation to my question, you are doing it for everyone's questions. Every time I think I may have a new question, I scroll through these comments and see that not only did someone already ask it, but you provided an answer that even a layman like me can understand.

Thank you for taking the time to help educate the community about this. Confusion can be an unpleasant feeling and you are doing a lot to remedy that.