Stephanie, 100% .. you paint the picture, imo, pretty much as the situation stands .. i'm working on a post which is
at present attached to mine, but now will switch it yours when ready to go .. even though my inserted comment in
said post does, after yours now contain some redundancy (it mirrors yours somewhat) .. lol .. will leave it in, anyway ..
thank you .. your post i see as a most realistic and reasonable portrait of the position .. that's my 'umble position .. :)