JJ,

As I just emailed, my question was answered. When I did correspond with Mr. Fine he promptly responded with a very cordial response. It just didn't give me the clarity that I was seeking. Mr. Cohen has answered and clarified to the extent that I am opting in. I do not feel the need to ask any further questions. I do encourage everyone to ask whatever they feel they need clarity on, so that they feel comfortable with their decision. My only disappointment from asking my question was the response. I've been here for the past 10 years and thought that we were all in this together.