Manual clarification - HPS/JTS Civil War series

[BigDuke66]

Ok from a different source a got a bit more clue of the things and questions listed under 2. in the first post.

First a bit more clarification to that sentence, the "or" is lacking a precise explanation as units that have casualties due to defensive fire can only be Disrupted but units that have casualties due to offensive fire or melee can only be Routed by it. So the sentence is a bit strange as it forgets to distinguish that the result(Disrupted or Routed) is depending on the source of the casualties(Defensive Fire or Offensive Fire).
That is also explained a bit further down but still this sentence is more confusing than explaining.

To the questions I listed.
1. It looks like it will MAYBE conduct a moral test, if this happens is based on the test based on this formula "loss / (loss + 25)".
2. It seems clear from gameplay that in turn gameplay the tests for defensive fire are conducted instantly each time a unit takes casualties from defensive fire, while in phased gameplay the test seems to be made at the end of the Defensive Fire Phase.
3. Here the difference could be that in turn gameplay that each time casualties from Defensive Fire occurit can lead to test and if failed also to a Moral Check while in phased gameplay the casualties from Defensive Fire are summed up and only a single test is made to see if a Moral Check has to be done or not and if so also only a single Moral Check is done.
How this works with Offensive Fire is unclear, either there is a test made for each time casualties were taken from offensive fire or casualties are summed up and a single test and if fail a single Moral Check is done is unknown.
From a statistical perspective it would be interesting how turn vs phased gameplay differ here, are the multiple test with lower casualties in turn gameplay or the single test/Checks with higher casualties in phased gameplay in any advantage?