just GAAP lingo that they must put in there, no less than any business, company, financial institution etc.,. wouldn't do...similar to wording found in a company's prospectus where" a forward-looking statement or safe harbor statement is a statement that cannot sustain itself as merely a historical fact. A forward-looking statement predicts, projects, or uses future events as expectations or possibilities. These statements can often be misleading, as they can be mistaken for factual statements, while they are actually speculation."