"You know that everyone is saying this and you asked for confirmation because you didn't believe it. It looks like your looking for conformation of your own bias though."

No Anthony, I do not have a "Bias". If I did I wouldn't be asking for help and I would just do what I think is correct. I am and was looking for the facts, and not my perception of them. Now, thanks to you and the others that took the time to post I understand. Thank you for your contribution.
Thank you all again, Frank.