I have now completed the bath fan installation, with 3 separate switches for lights, fan, & nite lite...& the panel breaker hasn't blown, & the house hasn't burned down (knock wood)

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Plug me into somethin'

If the theory does not conform to the facts, then the facts must be discarded.

No good deed ever goes unpunished

Never argue with an idiot. He'll drag you down to his level, & beat you with experience.