sorry, but you do disagree with bob:

Question

Bob: "Fingering, even with a small cut, is not considered risky."

vs.

Calvin: "not zero risk"

Answer

Hello reader, I answer numerous questions and I'm not sure what Dr. Bob has written in the archives. I stated there could be an extremely low risk in the situation you're referring to. If a person comes in contact with vaginal fluids and there is a viable port of entry, then transmission may occur. Thanks and take care!