File Transfer Ratios,  like on most other  bulletin boards,  are an integral 
 part of  the HMVH Corporation BBS.
 To assist  in the  distribution of  Public Domain,  Freeware  and  Shareware
 software of the high quality we've all come to expect in the last few years,
 as well as  to  enforce  some  sort of  security  control,  this  BBS  makes 
 extensive use of transfer ratios.

 In simple terms,  transfer ratios  can be explained  by the following little
 philosophy:  "I  give you  a few  files  if  you give  me  some  in return."
 This philosopy can be further  expanded in greater detail:  in order for any 
 user  to be  able to  download files  from  the HMVH Corporation BBS,  it is 
 required that s/he uploads one or more files in return,  the amount or ratio
 depending on the  user's  security level  (if you are unsure about  security 
 levels,  please read  the  "About Security Levels"  Bulletin  in this menu).
 
                         Press [Enter] for more...
 
 As detailed in the  "About  Security Levels"  bulletin,  it is quite obvious 
 that users with a  higher security  have a less strict ratio;  ie.  they are 
 able to download more files (or kilobytes, for that matter) before having to
 upload one or more files (or kilobytes).
 For example:  a user with a  Security Level of 20  is permitted  to download 
 10 files or 50 kilobytes before having to upload a file or a kilobyte to the 
 BBS in return  (whichever comes first),  not exceeding  a  daily maximum  of 
 800 kilobytes. 
 As security levels increase,  the ratio becomes more lenient.  Some Advanced 
 members, on the other hand, are not bound to any ratios whatsoever.
 
 Irrespective of your security level, all files in the FREE FILES area may be
 downloaded  at any time  without having to worry about any  transfer ratios.
                           
                         Press [Enter] for more...
  
 Users are also  warned not to upload bogus files  (like those wisecracks who 
 like  zipping  up their root directory  into a file called  NICEBABE.ZIP  or 
 something like that)  as  the SysOp  personally  checks  each file  prior to
 making it available  to other users  and could just decide  to somewhat clip 
 your  Security Level  or even kick you off the board altogether  (or, in the 
 case of commercial software, instigate legal action!)

 Should you have any further questions, you are welcome to leave a message to
 the SysOp who will gladly assist you.
                       
                         Press [Enter] to continue.