Thanks for the input. Again, I read the brochure last night and the only thing that they say about this neutral loss protection is that it is an option. Anyway, it sounds like it may be a good option to have. I don't know if I would pay extra to have it added on as an option but since it's on the list already, it can't hurt.
I want to say that this forum provides a lot of information for those of us who are either new at this life style or are considering jumping into it. I still have my homework to do but I have been searching a lot of different areas in this forum and have found that it has answered many questions that I have had. Thanks again.