Ivan, thanks. You are the first person to actually answer my question exactly on point.

To be fair, Allan, the info isn't obtuse in style. It just doesn't answer the question I have in my mind.

I strongly suspect that a good many of the questions directed to an agent at the 800 number were the same as mine, and so they put the answer on the recording to save time.

You'd think that by now they would have this figured out.