Sorry Diana15, the Board doesn't let me reply to two at once. I didn't mean to not give you credit for your input. Sometimes, when only two of us are active on this Board, I feel like I reply to you or follow you too often.
Anyway, I appreciate your experience and sharing of opinions and information. You were more accurate on your assessment of the 180 day rule than I was, when you came up with March 18. Apparently, OTC doesn't really mean 180 days. They mean 6 months. The two are slightly different.