we are having bathroom floor tiled with 13 x 13 cermaic tiles. the toilet has been removed. the plumber said the tile must be layed UNDER the toilet flange (there is enough "play"). the tile installer says he never does that. instead he cuts a circle in the tile and lays it over the flange, the tile then goes UP TO the flange, not under it. the plumber says don't blame me if the toilet leaks! has anyone had experience with this? thank you.