I know that... but what I dont know is why wait for profits? If you have the money, why pay $10 for something tomorrow that you could buy for $1 today? The only thing that worries me about the "with profits" disclosure is that it leaves it open ended. If you are that confident that you are going to have profits, why not pay the cheaper price now? I read it as a calculated risk on their part, which is smart, but doesn't guarantee anything on our end...