When I was brand new, I imagined it as being "literal," and that somehow a piano would fall on my if I went below 6M or failed to sign 15 prospects. It didn't hurt anything, as I didn't have enough money in prospects to blow on IFA, and didn't understand IFA at all yet, but I did find the language on that page kind of misleading. It probably ought to reflect what actually happens. In my case, I went to the forum, and read about it, and asked about it too (I think.), A simple tweak, just for clarity's sake, wouldn't hurt.