Thank you both for the clarification. It sure helps my confidence that I'm doing this correctly. Sorry for all of the questions but this is the first time I've had to deal with a situation like this and subtle nuances and how interpreting a single word description, like "substitute", creates doubt and could change the return in a big way. One small change can sure affect the return in a negative way which I'm trying to avoid all costs. This have been a learning experience!
