the whole bound for a year thing...

[gee_ess]

I agree - we should sticky the actual wording provided by PsychTau and maybe even a general explanation to put it into even simpler, let-me-get-this-through-your-head terms.

Although many pnms may not read it, when the explanations and questions come up regarding this issue (and they ALWAYS do!) then the person could be pointed to the sticky which has the exact wording.