A very well written and articulated post @scholaris, with a lot of condensed information that is extremely helpful for newbees and also some people who have been here that can still learn things.
Kudos...
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Hey! Thank you so much. I really appreciate it. There's so much information out there. I try to capture whatever information I can to help out. I much rather do this than DV people for fraud. I think, in the end putting information like this helps out on multiple fronts.