The thing about this that I don't get is the effective date. Dec 1, 2010. Really? That is 5 months away. I just don't see how they have become so smart about our future that they know we need 3 capt's in 5 months. Something about this does not pass the smell test. Don't get me wrong, I love the growth and movement. If your doing a domicile swap with no training involved, enjoy your wait.