Susangg, knows her stuff, and is great to share the information with all.
I have noted if Susan does not know all the answers she is humble enough to ask Posters for their take on the subject and their answers.
When posting here, first thing a Poster should understand, they will get answers they agree with and they also will get answers they hate, but "Oh Well". Much like strolling down a garden path, roses smell good, but the rose thorns will prick you, if you finger the thorns, and we hear a LOUD OUCH.