You raise a interesting point PAF
One of the greatest frauds (IMHO) was that bit of paper. It gave all the reasons for signing ie gurantee your job etc etc, but didn't EVER make any mention of why you shouldn't sign ie access your $ at 45 if you were still a FLTLT, of course a worthy ambition I say! The only mention was you should consult an expert at your own cost of course and who has a 25yr old FLTLT would do that!
That was a major learning point in not being able to trust those in charge!!!!