[hn_throwaway_99]

Thank you! Your post was really helpful in aiding my understanding, so I greatly appreciate it.

Also, while reading your article I also fell onto https://www.brookings.edu/articles/misrepresentations-of-cal... while trying to understand some terms, and that also gave some really good info, e.g. the difference between a "reasonable assurance" language that was dropped from an earlier version of the bill and replaced with "reasonable care".