To everyone that replied, Thank You.
I am on "the wrong side of the pond" as you put it, so that may help explain my confusion over how you do things over on your side of it.
Thank you for explaining how it works over there. I appreciate the education.
Now come join me at the pub so I can buy you all a round & show my appreciation properly. Just please don't drink me into the poor house, I'll need enough left over to try & swim home. =-D