Thank you, JaneMacP! I will give CRA a call to clarify as best as possible. Our situation is a lot hairier than what most have to deal with, and they have proven very helpful in the past - if one can say that about the "taxman". Being audited isn't as scary as it sounds.

(if there is nothing to hide, I suppose) We were in the past, and as soon as they had acceptable answers to their questions, all was fine.