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Based on what you've written, I'd suggest more training. You apparently don't understand the rules and could leave a client in jeopardy with your perceived "loophole"
Be careful with these people on the forum: they will throw you under the bus. These are some people with some expertise. I know you are trying to help, however, help yourself first ... and stop/look/listen and learn. Some of these people are a bit vicious, too. I know you mean well.