drop the term "phimotic ring"; "frænular band" is much more appropriate. (Of course I am using English spelling rather than American.)
The steroid - if used - should be applied to the frænular band, because that is the tight part. If the foreskin is retracted gently, this part will appear at the end and tend to evert - that is, pout out and be visible so that the ointment can be applied only
on that exact part. This should be done after
stretching, as the action of stretching would tend to spread the ointment around.
Stretching the fraenulum is easiest using this illustration
Soaps - any soaps - are the most common
cause of dryness and irritation. so any
irritation is a flag to avoid soap completely in this area.
Regarding your diagram of stretching, it actually is
preferable to insert the fingers deeply, as this allows the fingertips to be "hooked" inside the foreskin so that it does not slip off the fingers and makes prolonged stretching easier. The fact that the fingers do "hook" away from the glans avoids irritation of the glans.
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