I just bought in this year, but I thought they were due 1/1 for the year, not 12/1 prior to the start of the new calendar year. It doesn't make much difference; just not what I expected. Is this what it has always been?
And...is the ARDA required, or optional? I see it as a different line.
And...is the ARDA required, or optional? I see it as a different line.