Donna, You should call FS sales as soon as possible on Monday, October 25, and ask them. FS hours are: Monday - Friday, 8:30 am to 7:00 pm. The FS person I spoke with on Friday, told me that if you currently have no SMA that covers receiving JFW 12, you would have to purchase a SMA no later than Monday, October 25. After this date, you would have to buy an upgrade to JFW 12, and only then could you buy a SMA, which would cover receiving JFW 13 and 14. If you buy the SMA on Monday, Oct. 25, the SMA will cover getting JFW 12 and JFW 13. I don't know why FS told you that you could wait until December 31 to buy a SMA, but you and I have been given contradictory information, and if you want to avoid an unpleasant surprise, you should call FS sales (1-800-444-4443) on Monday. Alan