First, I did my research, but some additional input from knowledgeable people of this forum if there are any may be helpful as well. Second, I am surprised to hear such a nonsense about class action lawsuits from a law forum's moderator. Are you his/her boyfriend/girlfriend who was accidentally allowed an access to this forum while the real moderator is having lunch? And finally, when the real moderator is back, why won't he/she simply answer my question if he/she really knows something about the issue?