We believe that the composition and layout of advertisements should be such as to minimize the possibility of misunderstanding by the reader. The mailer appears to be designed to make you believe there is a sense of urgency to respond by using warnings of penalties or fines.~~State law makes it unlawful for any person firm corporation or association that is a non-governmental entity to solicit information or to solicit the purchase of or payment for a product or service by means of a mailing electronic message or Internet Web site that contains a seal insignia trade or brand name or any other term or symbol that reasonably could be interpreted or construed as implying any state or local government connection approval or endorsement unless specific disclosures are met.