Don't have time to post details at the moment. I still dealing with them, but when you expose yourself to the sales presentation, you need more things in writing to document your understanding of what you are being told, because the real truth never agrees to your understanding. Better yet, don't ever sit with these folk. Liars and experts at omissions of fact. I'll try to post my scenario at a later time. User's recommendation: Do not sit with these people, Don't do it....Don't do it.