Brian,  Of course you are not exempt. 

For the sake of your arteries, it might be a good thing that the Pecan Sandies will be virtual cookies.  My 50's era recipe calls for loads of butter!  They just melted in one's mouth.  I'll even press a pecan half into the center of each cookie. 

I'll have to admit that I have sometimes been guilty of not reading all of the fund information that I need to know.  If this thread pins down the details on when certain fees are charged (and when they are not) it will be a real service to the forum.

Cheerio!  Lorna