You have got to be Sh*ttting me. I cant believe this, i SWEAR THIS IS A SET UP TO MAKE US FAIL AND DEFUALT. It proves it. It truly does, they are setting the US up for a default. They might as well say " Hey, folks, we are just going to default. Prepare yourselves the best you can, because things are going to get rocky. Buckle your seatbelts and hold on for a bumpy ride"