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Answer clarification was perfect, thanks!

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Thanks for the extra effort.

Thank you.

I left this alone for a long time because I didn't want to address it
while I was unhappy with the results and the "You only paid $10"
comment. At this point it's been three years and I am no longer in
need of the answer :-) "journalist-ga"'s comment did get me in the
right direction at the time where I was able to at least mildly
address the issue myself.

I gave an extra star because of the effort, I appreciate all of the
time and that was put into this and am willing to let you keep the
money just because of the work. However I think it would have been a
better idea to pass the question along to someone else (like
"journalist-ga") who was willing to at least begin a basic easy to
understand explanation that I'm sure would have headed in the right
direction if journalist-ga had more time.

And I'm not going to overlook the possibility that my lack of
understanding of Georgia law might be to blame here. However the just
of the answer that I seem to get from bitmaven was ""There isn't a
good answer so here are several things that get "close enough" so I
can justify taking the ten dollars"". It's ok, keep the ten. I'm not
trying to upset you but rather have you take a loving reflective look
at what your motivation was for answering the question.

I would rather pay someone who isn't working "for the money" than pay
someone who is largely motivated by the money. This seems evident by
the work that is produced. Though, once again I am not side-stepping
the very real possibility that I could be wrong.

Very thorough!  Thank you so much for your help!!

Your answer was so detailed and well organized that I feel you deserve
more money.  Your answer required quite a bit of research and sweat. 
I appreciate anyone who would go so far to answer a question despite
how little money they get for it.  You are obviously more concerned
about having knowledge than money.  You are terrific!

What a great job done... Thank you very much!

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Very thorogh...

Wonderful!  That's exactly what I needed, thanks.  And while I won't
give specific information on how to access these services for fear
that they will be shut down if a lot of people find out, I will tell
you that they are free, and that you can access them without any
purchase of equipment necessary (aside from your personal computer and
an internet connection, hint hint).

While most do, one such service provides no Terms of Service
agreement, and in fact no information at all, except their privacy
policy which ensures that the privacy and confidentiality of all calls
will be protected.  This is from a major phone carrier. :-)

I'd tip more but I'm totally broke.  Sorry.

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Thanks Great Saved me a lot of time

The additional links were very helpful.

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I spent a good share of an afternoon unsuccessfully trying to track
this down.  I don't know if you're a better searcher than I am or if
you were just lucky, but in any case thanks.

Yay, bitmaven!  Wotta bang for the buck.  If we manage to get this
financing I'm working on, can we hire you?  Thanks 1,000,000!

This was a difficult question.  I received four possibilities - all
better priced than anything I had seen so far.  In fact my net
spending will be lower by a few hundred as a result of the answer I
received.  So paying for this service saved me at least $250.

I will be using this service more often.

thanks for your research - I appreciate your efforts

Excellent answer.  Exactly what I asked for.  Thank you, bitmaven.

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In the second round, your answer was fine and what I needed.  (IMHO, I
thought that my original question was clear, and that my clarification
was more a re-statement rather than a clarification, but all's well
that ends well.)
Thanks.