Small changes add up faster than most people expect.
Ask around and you will get a different answer every time, so here is the short version.
What to check first
Most of the confusion comes from two terms that sound alike and mean different things. The exceptions matter more than the rule, and there are three of them.
What it costs
Nobody is required to explain this to you, which is half the problem. The exceptions matter more than the rule, and there are three of them.
Where to go from here
The practical effect is easier to see in a single example than in a summary. Nobody is required to explain this to you, which is half the problem.
None of this is urgent, but it is worth an hour before the next renewal.
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