If the U.S. Department of Homeland Security, including U.S. Citizenship and Immigration Services and U.S. Immigration and Customs Enforcement, announces the adoption of one or more nonrefundable charges totaling at least $100,000 per F-1 student, payable by the student or an employer, as a generally applicable condition for obtaining or maintaining post-completion Optional Practical Training employment authorization before Jan 1, 2027, then the market resolves to Yes.