Well then they are ignorant. I don't pretend to know anything about the law, but I know a few things, I was a life insurance agent for a short time, and being such there were certain laws we needed to know. Also, I try to educate myself on current events, which has an interesting side effect. I learn a little about some laws past, such as the HUD and PROP8 laws that for the most part caused this financial melt down.