refersTo property has too narrow domain
the property refersTo in the relations ontology has an overly narrow domain: Reference. Every Reference refersTo something, but a person or a document or a report can refer to something, and it is not true that individual persons, documents or reporets are examples of " a concept that refers to (or stands in for) another concept".
For loans, I have a class called PublicRecord for bankruptcies, tax liens, wage garnishments etc. These are legal documents that often refer to specific accounts. I want to use the refersTo property but this will generate an untrue inference. Given the dearth of disjoint axioms, this will probabaly not be caught by inference, but we don't want incorrect inferences, just the same. I doubt we need two refersTo properties, one specific to Referencee and one more general.