To not incur an FTN, it is required that you have a 0 or a 1 on the target.

In example 1, you would be down 5pts - 2.5secs added to your time.

In example 2, you are correct.

PM me your e-mail address, I have a document for you to read.

MFWIC
DILLIGAF

Stercus Accidit -Sh*t happens (Latin)
Proud member of the WTFDTSG club
Nice try means you suck spelled different