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Jokers...he means legally, like in the event he gets pulled over for something, he doesn't want to get busted with a loaded weapons charge say because the officer spots a lone cartridge happening to rest against the trigger guard, thus breaking a city ordinance, or something simple like that.
The laws vary dramatically by state and even by city. My advice would be to spring for a certified firearms handling class; I'm sure such a class would cover all the details regarding what falls under legal definition of a loaded firearm.
In some places, it could be having a loaded magazine in the mag well but an empty chamber is considered loaded; having ammunition in the same container might be considered the same. It really comes down to the hair in some jurisdictions, therefore my recommendation you look for a class and get solid facts specific to your area.
Hope this helps.
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