YES!
$4a.2b WILL be permanent. We lost.
So,
1 You ll work less for less for some. Others will work more for less since the are JR.
2. You'll study more on your own time see HUD (11) or S.Amer (30). See #1 work more for less.
3. You'll print all your own bid packs. Costs you time and $.
4. You'll print your own manual if you want a paper copy....
WE LOST !
Id take bets and give Odds just know how to collect WE lost 4a2b 2:1