You might be right, but I have had a lot of hard times recently with both of my parents passing away and dealing with a brother who let's just say has a lot of problems. It's been challenging and presented mistakes financially and challenges in that area, so I am really just trying to make sure this does not come back to me and would rather error on the side of overthinking and worrying now. I appreciate everyone's feedback and time on this. It's really meant a lot and I am grateful
