In order to have the all powerful, all knowing, title of Champion, Intuit wants you to sign a non-disclosure agreement.  So basically for those of us answering questions here, we can with either answer questions  without a title and without potential legal ramifications, or we can answer questions and have the potential for Intuit or someone else sue us because of what we posted.  I'm doing fine posting without a title ---------- hopefully my posts are just as good as the ones with a title. 😉