Dapper6 Everything you said is correct, However you failed to mention the dont use international vouchers for domestic trips rule and the you can't use web fares rule and the you can't get the online booking bonus and the voucher holder must be present to redeem the voucher rule and the even though rules say the leftover balance is given in MCO we apply VDB rules to the MCO rule.
I think their friends at AMEX had to help them scheme up all these rules. There is no way Delta could decieve customers this well without some help from their friends in the deceptive advertising department at AMEX.
Imagine the reaction if someone handed a copy of this thread to everyone in the volunteer line.