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