You had time to sit here all day, you've got 5x the post count I do. You could have simply called a rep or wrote an email with questions and had a legal responses for free. Cut your web board time down by 1/2. IPad has the contract right there, if I'm your FO sometime I'll read it aloud like books on tape, a five day, we'd have half the contract done. Youve already blown how much time on the web boards? Read 3 and 25 for homework tonight.