QB...I was simply attempting to make the point that this was not a "take home exam" as asserted by Bob. 

My thought was that those other life events, which have clearly aggrieved you, may fall in the category of unforeseen events and be relevant to the conversation of partial exclusion.    

Regardless, your point that this community is only for tax professionals is well-received.  I was not tracking that this forum is not open to supporting the average consumer (i.e. general population) like myself.

You'll be happy to know that I've scheduled a sit-down with my advisor next week so feel free to breeze past this conversation...I would hate to consume your time with an issue that's not befitting your status in the tax community.

Cheers,

Spartan