AS, its kinda like going to a Gov dept. or Insurance Co.
Dont assume that the first form and information leaflet handed to you by the first person that greets you at the counter (that says "just full this out") will be 1/ the only person you will need to talk to- or 2/ the only information you will need,- or 3/ the only redtape form that you will be required to fill out.!!.....-and 4/ everyone with good sense should show due dilligence...by making sure that they carefully read the detailed CLAUSES and FINE PRINT on those forms and in the BIBLE....
-Bulletproof and Waterproof don't mean Idiotproof.