was predicted to be a distinct possibility. They would not post an N.R. if both parties did not expect that they would try to make this happen. The disclaimers/warnings at the bottom are what you have on any new product required by law.... or the regulators in this case, so as to present all possibilities. This is what some of us have been talking about for some time.... it is part of the new vision, it is a movement towards strength. It is protecting and advancing our investment. Gotta love it!