As always thank you @nexchap
I did read the attached info in full before posting, but don't fully grasp all of it so appreciate your ongoing support. By the way, I don't know if anyone else noticed but on this year's 2020 form in the explanation language it was referring to the year 2019 rather than the year 2020 in multiple parts of the descriptions. Guess they did a copy and paste without updating the year.
