All I am is asking is a clarification on how the credits are arrived at. I do not find a clear and cogent explanation posted on the ARRL web site. If you can point me as to where the credit scheme is described it would be appreciated.

+ Take a look at this state diagram:

https://lotw.arrl.org/lotw-help/qso-states/

+ Note that QSL cards can be submitted for DXCC Family award credit via "DXCC Online":

https://p1k.arrl.org/onlinedxcc/about.php

+ The state diagram is valid for QSOs confirmed via LoTW or via QSL cards.

73,

Dave, AA6YQ