Maria, I have been a CD for more than 60 years, discounting my military service and the 5 years that I voluntarily quit CD'ing. During my CD time I have done a lot of research and talked to a lot of people with knowledge about what we do. And yes, I am blunt most of the time! As a child I was taught to tell the truth, even if it hurt to do so. Your responses indicate that you have learned some things from this thead, and that is all we can ask!
Best wishes to you and your SO!!