"You people can be very harsh. I didn't think this was a forum for bashing people who asked questions."

Your own topic here has at least 5 times where you seem to debate the info given, including the IRS resources directly. I give the links so that you can see for yourself. If you want to debate anyone on this, it would be your Congressmen or the IRS. If you want to learn the regulations and provisions, we've given those to you. If you want to comment on how that doesn't make sense, we've offered you some follow up ideas.