I get it now, was not clear earlier because the fees are not present in your case, so the analogy did not seem exact, though I did think about it before asking.

I get it now, was not clear earlier because the fees are not present in your case, so the analogy did not seem exact, though I did think about it before asking. Thanks for the detailed answer. Makes good sense. I've had a few cases like that too, as a consultant, and have learned from them.