Phillip,
Is there a reason why you use two different identities @PhillipW and @Phillip_Hawley, sometimes within the same thread? It is rather confusing for some of us.
If you’ve not read this thread already [So Let Me Get This Starter Question Right], I really encourage you to do so. Several listers here, particularly @MGCJAG, have spent considerable time and effort articulating the information that should answer your question.
-David