text:  All right, what is all this about? Let me explain it to you in the most dumbed-down possible way, and you should know that I'm not dumbing it down for you. I'm dumbing it down for me. I'm not a frigging lawyer. I don't speak in Latin. I do dabble in some Spanish, but I'm not a lawyer, and all these things get confusing, so I always reach out to all my lawyer friends. Chris, you guys help a lot with that, and they kind of explain to me exactly the who's who and what's what.