Effective:   05/12/2014 Revisions:  06/05/2015 , 11/24/2015 , 07/06/2016 ,

12/14/2016 , 08/11/2017 , 01/05/2018 ,

12/18/2018 , 08/15/2019 , 11/21/2019 ,

01/06/2020 , 02/19/2020 , 09/16/2020 ,

02/16/2021 Updates:  03/10/2015 , 10/23/2015 , 02/22/2017 ,

04/05/2018 , 03/27/2019