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) Other than Forum Fees which are specified below, the parties shall each bear their own costs and expenses incunred in this matter; and Claimant’s claims, each and all, having been withdrawn are dismissed with prejudice; The Panel recommends the expungement of all references to the above captioned arbitration from Respondents, Barbara Regnitz and Muneera Dawood’s, registration records maintained by the Central Registration Depository (“CRD”); The claim, allegation, or infomiation is factually impossible or clearly enroneous; The claim, allegation, or information is false; Other than Forum Fees which are specified below, the parties shall each bear their own costs and expenses incurred in this matterbreach of fiduciary duty; suitability; negligence; misrepresentations; omissions; breach of contract; respondeat superior; violation of the RICO Act; violation of the Illinois Elder Abuse and Neglect act; and violation of state securities laws....

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And in addition to these criminal penalties, the payee could sue you in civil court to recoup the full amount of the check as well as additional damages that could total up to ,500....