 
This is the RATIO file that will be displayed to any caller
who's ratio is above their allowed ratio as defined in
SECLEV.
 
This file should define what your rules about file uploading and
downloading are.
 
The caller will be shown this file everytime he/she attempts to
download a file if the caller's ratio is above the limit.
 
There can, of course, be a color version of this file.

