Entries will not be returned to the participants, Participant owns the copyright, but the contest organizers and granting agency have the copyright except the right of authorship.

But a month after the polar bear was listed, Dale's agency found itself in hot water when it was accused of granting oil companies the right to harass polar bears.

It might also consider granting the agency the flexibility to design products that improve affordability through such features as variable maturities or Shared appreciation.