I hear you.

It is a lot of information and I have a lot going on so I could always be missing something. I did not say you were wrong.

To be clear, I don't "trust" anyone on the internet. I do not "trust" people you are referring to because I literally have no idea who they are. I also do not just assume things based on transaction history. I can appreciate you have been looking into this a lot longer than I have.