There has been quite a bit of controversy about that stylized wording but the times are changing: http://www.bloomberg.com/news/2013-06-18/sec-to-seek-guilt-admissions-in-more-cases-chairman-white-says.html Break it into two pieces: If Lyndon settles and agrees to pay a fine Why would he do that if he has done nothing wrong? The second piece is self explanatory and should never be necessary for a professing Christian. Remember, make your yes be yes and your no be no