I got it now: got the 'entire concept' and the details that I think I'm going to need to know down now. Thank you

Fantastic.
I'm going to go the transaction page then view insurance, make the purchase that I need to on this + be sure to also send the buyer a copy. (Thanks for the info on that too re: being sure to send the buyer a copy: I probably wouldn't have thought to do that)
Have a good night. And again, thanks for taking the time to help ... good karma will surely come your way for your kindess (and patience!).
Best, Deana