How nice to start my day with the "truth"...you've sid a mouthful my friend! I wonder who hired all these entities to make us this stuff? Ut oh...I think a little birdie just told me!
Again, excellent preparation of facts. Since there are so many concerns over the finances of "Newbies", I would suggest using this list to fact check against these claims. Print it and refer to it as you conduct your due diligence.