threads are merged if they have a common theme - which the above do.
the terms of service (tos) specifically prohibits spamming this website, which multiple threads on the same subject would do, hence why they were merged into this one.
this site is a member experience site - it does not have a group of lawyers waiting in a room reading posts so they can be answered. patience is a necessity as the right
members with experience/knowledge in someone's situation have to be online and run across your thread.
lastly, the post by "Mike E" above should indicate what you need.
Charles
vj moderation