Tin Whisker White Paper
Transcription
Tin Whisker White Paper
Tin Whisker White Paper JESD201 Approach September 2012 by Loren R. Zapanta(ILZ) Cypress Reliability Engineering Tin Whisker White Paper, Sept. 2012 Page 1 CONTENTS Abstract 3 Introduction 5 Thin whisker Theory 6 Thin Whisker Mitigation 9 Thin Whisker Growth Testing 10 Test Results 17 Reference Documents / Articles 30 Tin Whisker White Paper, Sept. 2012 Page 2 ABSTRACT Tin(Sn) plating was known to whisker formation and growth that has resulted to reliability problems and failures for various types of electronic equipment. Tin whisker was identified as electroplated cadmium components during the late 1940’s, appear to essentially be an extrusion, or hairlike growth emanating from the surface of the tin plate. As illustrated in Figure 1.0, there are several types of whisker. Filament whiskers are needle-like in as much as the length is at least ten times the diameter. Column and spiral whiskers are quite self explanatory. Nodule whiskers are normally defined by their diameter and are often referred to as mounds or hillocks. Pure tin (Sn) present a high risk of tin-whisker failures in electronics, particularly those demanding high level of reliability. A) Filament whisker with striations C) spiral Whisker Tin Whisker White Paper, Sept. 2012 B) Column whisker with a consistent cross section D) Spiral whisker growing from a nodule FIGURE 1. Types of Whisker Page 3 Examples of Whisker & Non-whisker Reference : JESD201/JESD22-A121 Tin Whisker White Paper, Sept. 2012 Page 4 INTRODUCTION With the elimination of lead (Pb) in electronic components in 2006 as a result of two European Union directives, 1) RoHS (Restriction on use of certain Hazardous Substances) and 2) WEEE (Waste from Electrical and Electronic Equipment), all manufacturers of IC’s have been working the problems associated with tin (Sn) plated leads, specifically the creation of “tin whiskers. This directive restricts the use of six hazardous substances in electrical and electronic equipment at a maximum concentration value (MCV). Table 1 shows the MCV’s of the six hazardous substances by weight of a homogeneous material. Substance RoHS Limit Mercury (Hg) Lead (Pb) Cadmium (Cd) Hexavalent Chromium (Cr+6) Polybrominated Biphenyls (PBB Polybrominated Diphenyl Ethers (PBDE) < 0.1% (< 1000ppm) < 0.1% (< 1000ppm) < 0.01% (< 100ppm) < 0.1% (< 1000ppm) < 0.1% (< 1000ppm) < 0.1% (< 1000ppm) Cypress is committed to provide environmentally safe products. It has implemented the use of NiPdAu pre-plated lead-frames and pure tin (Sn) leadfinish to follow the Pb-free roadmap. Most of the packages using NiPdAu leadframes are being assembled in Cypress Philippines while all of its pure Sn lead coated packages are produced by its qualified subcontractor assemblies. Although semiconductor industry and Cypress have aligned with the Pb-free directive, the use of Pure Sn as alternative leadfinish posess risk due to tin whiskers. Since the European Union (EU) directive came, the industry is constantly looking for alternative leadfinish materials and ways to mitigate tin whisker growth. Currently, Cypress’ subcontractor assemblies are annealing the matte Sn finish for 1 hour at 150oC and sustain the allowable plating thickness to minimize whisker propensity. See Figure 2. Figure 2. Thickness of the pure Sn plating Whiskers are essentially filaments or fiber like single crystals of tin which can grow long enough to cause a short circuit between leads, or may break off and cause damage elsewhere in the device. Even though JEDEC have provided some recommended accelerated tests,understanding the growth of whisker is still unknown. Tin Whisker White Paper, Sept. 2012 Page 5 THIN WHISKER THEORY Tin whiskers are electrically conductive, crystalline structures that sometimes grow from surfaces with tin being the final finish. Whisker growth starts from an incubation period with varying growth rates. Over the past 60 years, many works on understanding tin whisker growth were published. The different experimenters focused their own studies on specific aspects of metal growth according to the concepts of material science and metallurgy. Their works were not only concentrated on the growth mechanism but also to its tin whisker mitigation. As published by George T. Gaylon on his paper entitled “A History of Tin Whisker Theory: 1946 to 2004”, he cited the Integrated Theory for Whisker Formation and Growth. Here are the salient points of his review on the works done by previous authors from the late 1940’s to early 21st century: 1. Whiskers do not grow from as-plated microstructures – this means that existing microstructure of a plated surface will not grow whisker on the same microstructure (e.g. one grain of tin of the deposited finish). A whisker will be formed from a “different” grain. 2. Whisker grains are formed by recrystallization events. Macro- and/or microstresses within the film (finish) drive recrystallization. 3. Tin atoms are transported to the whisker grain through a grain boundary network that connects the whisker grain with the film / substrate interface region. – This statement supports #1. There is some sort of diffusion events that influence the growth of the whisker grain. 4. The driving force for tin transport is a positive-stress gradient, not a compressive stress state. 5. Intermetallic formation at the substrate interface generates very high compressive stresses in the intermetallic region. This region is always a combination of intermetallic and unreacted/displaced tin atoms. 6. The unbalanced inter-diffusion of copper and tin results in a Kirkendall effect with a vacancy-rich zone within the copper substrate in the vicinity of the film/substrate interface. 7. The Kirkendall zone within the copper substrate results in a shrinkage effect that establishes a tensile stress state in the Kirkendall zone. – this can be the source of the positive-stress gradient stated in #4. As opposed to the late 1940’s theory, dislocation mechanisms are probably not relevant to whisker growth. The above points are the ones that have been corroborated to happen during whisker growth. But even with these pieces of information, whisker growth is still not yet fully understood. Tin Whisker White Paper, Sept. 2012 Page 6 Below is a rough illustration of how tin whiskers grow according to what has been known from past experimentations & studies: Figure 2. Formation of Tin whisker by the Integrated Theory (taken from iNEMI report “Tin Deposit Ripening and Whisker Growth” by Andre Egli) Tin Whisker White Paper, Sept. 2012 Page 7 The Integrated Theory predicts that both the tin and the intermetallic from the “intermetallic region” are mutually compressed (there is a large amount of force/stress due to the reaction of Cu and Sn atoms to form intermetallic compound). The tendency of the highly stressed intermetallic region is to relax by diffusing tin atoms into the overlying tin film. This will eventually stop when a maximum compressive stress was achieved within the tin film. In effect of diffusion, there will also be an increase in surface area and volume. Whisker growth is a more efficient way to relax the internal stresses within the intermetallic region. The highly compressed tin atoms diffuse through the grain boundary network to the whisker grain. Unlike intermetallic compound formation, whisker formation does not generate a back stress. Diffusion of tin atoms to the whisker grain continues until all available strain energy/positive gradients have been utilized/neutralized to produce the new surface area of the whisker structure. Tin Whisker White Paper, Sept. 2012 Page 8 THIN WHISKER MITIGATION Tin Whisker Mitigation strategies is recommended due to whisker growth phenomenon associated with use tin (Sn) during soldering process. This manifestation was acknowledged by Cypress Semiconductor and the problem was minimized by the addition of Lead (Pb) to the soldering process. Even with a lot of studies and experiments done globally on tin whisker growth, no definite conclusion to how or why tin whiskers form. Established method performed at Cypress to relief the stress of Tin Plating was adding Annealing or Post Bake during solder plate process with one (1) Hour, 150C condition. It is adequate to confirmed that growth was significantly reduced but appropriate prevention and suitable solution of tin whisker growth is still unresolved & unknown. For health and environmental reasons, Lead (Pb) was identified as a hazardous substance, and soldering process has migrated to lead-free. To maintain reliability and quality of Cypress products, Tin Whisker Mitigation Program was implemented on all Pure Tin(Sn) products. The program will be described on this document. There are accelerated methods to test lead-free devices for tin whisker growth. JEDEC and iNEMI established a set of accelerated stresses to grow whiskers and came up with recommendations that pertains to tin whisker testing requirements along with acceptance criteria for the evaluation of devices with tin finishes. JESD201A : Environmental Acceptance Requirements for Tin Susceptibility of Tin and Tin Alloy Surface Finishes Whisker JESD22-A121 : Test Method for Measuring Whisker Growth on Tin and Tin Alloy Surface Finishes These standards were generated to provide a uniform environmental acceptance testing and reporting methodology for tin whisker susceptibility of tin and tin alloy surface finishes used in the Electronics Industry. Test conditions stated on these standards have not been correlated with longer environmental exposures of components in service. Thus, there is at present no way to quantitatively predict whisker lengths over long time periods based on the lengths measured in the short-term tests described in this document. At the time of writing, the fundamental mechanisms of tin whisker growth are not fully understood and acceleration factors have not been established. Therefore, the testing described in this document does not guarantee that whiskers will or will not grow under field life conditions. Tin Whisker White Paper, Sept. 2012 Page 9 TIN WHISKER GROWTH TESTING A complete report is provided upon completion of the program. Four(4) assembly subcontractors (Site A/B/C&D) were selected and subjected for tin whisker growth testing using JESD201 approach. Test Frequency & Sample Preparation Individual production samples were used for the tin whisker growth test. Samples manufactured per assembly site were taken as being representative of a production batch or monitor. Table below describe sampling plan and frequency per site. Assy Site Site A Frequency Each base metal / plating chemistry / lead frame type combination must be tested 2x per year Sample Size Using optical microscope Minimum 32 terminations per lot, 3 separately plated lots Site B Per package per year Detailed Inspection minimum 6 terminations per lot, only if whiskers are detected during screening inspection 5units/ package/condition 1st view : 50-1000x all leads optical inspection Final view : 1000-5000x measure longer whisker per package per condition Site C Per package per year 30units per package Site D 1 lot per month 18 units per lot; 6 units per test condition Tin Whisker White Paper, Sept. 2012 Page 10 Tin Whisker Stress Acceptance Criteria (JESD201) JEDEC and iNEMI established a set of accelerated stresses to grow whiskers. JEDEC, JESD201, has referenced iNEMI standard on the acceptance criteria and on the stresses. Table 1 shows the sampling size per stress condition and Table 2 shows the preconditioning treatment as recommended by the two groups: Minimum Sampling and Inspection Requirements per Precondition Treatment Stress Type Lots Sample per s per Components Inspected Stress Lot per readpoint Note 1 Temperature Cycling 3 Temperature / Humidity Storage 3 High Temperature / Humidity Storage 3 Screening Inspection Terminations per Readpoint Note 2 Detailed Inspection Terminations per Readpoint Note 3 2 6 96 18 2 6 96 18 2 6 96 18 Note 1 Components should be drawn equally from the Manufacturing lots, as much as is practicable. Note 2 Minimum number of terminations inspected during Screening Inspection per readpoint (See JESD22A121). If whiskers are detected in the Screening Inspection, then the terminations with the longest whiskers shall be measured in the Detailed Inspection. The longest whisker is measured and recorded for each of these Note 3 terminations. If no whiskers are detected in the Screening Inspection, then no Detailed Inspection is required, according to JESD22A121. Table 1. Sampling size matrix & stress conditions Tin Whisker White Paper, Sept. 2012 Page 11 Table 2. Precondition treatment matrix Tin Whisker White Paper, Sept. 2012 Page 12 Acceptance criteria for whisker lengths per Class and performed stresses Whisker length measurements shall be made at each inspection interval and at the total test duration listed Table 3. Reference.JESD22A121. Each of these measurements shall be compared to the maximum allowable tin whisker length acceptance testing. Any measurement of whisker length that exceeds the appropriate maximum allowable whisker length is considered failure of the surface finish that is being tested. The appropriate failure criterion or maximum allowable whisker length depends on the product Class determined. Table 3. Acceptance Criteria for Maximum Allowable Tin Whisker Length Determination of the Class level for testing The Class level indicates the test program (test duration and whisker length criteria) used for the surface finish technology acceptance testing. Product Classes shall be agreed to between supplier and user. General guidelines for product Classes follow but may not apply in all cases: Class 3 : Mission/Life critical applications such as military, aerospace and medical applications Pure tin and high tin content alloys are not typically acceptable Class 2 : Business critical applications such as Telecom Infrastructure equipment, High-end Servers, Automotive, etc. A whisker mitigation practice is expected, see section 5 of JP002 for examples, unless otherwise agreed between supplier and user. Long product lifetimes and minimal downtime Products such as disc drives typically fall into this category Breaking off of a tin whisker is a concern Class 1 : Industrial / consumer products Medium product lifetimes No major concern with tin whiskers breaking off Class 1A : Consumer products Short product lifetimes Minimal concern with tin whiskers Tin Whisker White Paper, Sept. 2012 Page 13 Tin Whisker White Paper, Sept. 2012 Page 14 Tin Whisker Preconditioning Reflow Profile (JESD22-A121A) Table 4. Optional Preconditioning Reflow Profile Tin Whisker White Paper, Sept. 2012 Page 15 Tin Whisker Test Conditions (JESD201) These test conditions represent a minimum set of conditions that shall be used to assess the propensity for tin whisker growth on any given tin finish under study. Table 5. Acceptance Tests and Durations Tin Whisker White Paper, Sept. 2012 Page 16 TEST RESULTS (Page 1 of 3): Packages assembled at Cypress Sub Assembly Sites using with MATTE / PURE TIN(Sn) Surface MET TIN WHISKER Susceptibility under CLASS 2 requirements per JEDS201 & JESD22-A121A. All results were summarized and presented on Table below. Detailed SEM images of examples from all tests are also shown. Tin Whisker Growth Measurement - No Preconditioning Assembly Site Site A Package Profile Pkg Type 28Ld TSSOP LF Material Cu Olin 7025 Leadfinish Temperature Cyling Test Inspection Results (SEM) Matte Tin(Sn) ℃/ + 85℃ -55 Sample size 500cycles 1000cycles 6 units 25.28 um Site B 128Ld LQFP, (14x14mm) Cu Olin 7025 Matte Tin(Sn) ℃/ + 85℃ -55 Site C Site D 64Ld TQFP 48L TQFP Cu C7025 Cu C7025 Matte Tin(Sn) ℃/ + 85℃ -55 Pure Tin(Sn) - 40C/ + 85C 18units 21.18um 18units 0.00 um 18.18 um 28.67 um 1500cycles Temperature Humidity Storage (Ambient) Inspection Results (SEM) 30C/60%RH 30C/60%RH Sample size 6 units 18units 500Hours 0.00 um 0.00 um 1000Hours 0.00 um 30C/60%RH 30C/60%RH 18units 0.00 um 0.00 um 1500Hours 2000Hours 0.00 um 3000Hours 0.00 um 0.00 um 4000Hours Temperature Humidity Storage (No Bias) Inspection Results (SEM) 55C/ 85%RH 55C/ 85%RH Sample size 6 units 18units 500 Hours 0.00 um 0.00 um 1000Hours 0.00 um 55C/ 85%RH 60C/ 85%RH 18units 0.00 um 0.00 um 1500Hours 2000Hours 0.00 um 3000Hours 0.00 um 5.66 um 4000Hours Classification Tin Whisker White Paper, Sept. 2012 Class 2 No data Class 2 Class 2 Page 17 Class 2 TEST RESULTS (Page 2 of 3): Tin Whisker Growth Measurement With Preconditioning(220C +/-5C) Assembly Site Pkg Type Package Profile Site D 28Ld TSSOP 128Ld LQFP, (14x14mm) 64Ld TQFP 28Ld SSOP Cu Olin 7025 Cu Olin 7025 Cu Olin 7025 Cu C194 Matte Tin(Sn) Matte Tin(Sn) Matte Tin(Sn) Pure Tin(Sn) ℃/ + 85℃ -55 500cycles ℃/ + 85℃ -55 ℃/ + 85℃ -55 6 units 18units 18units 25.31 um 11.33 um 14.14 um 21.78 um 1500cycles 31.30 um 30C/60%RH 30C/60%RH Sample size 6 units 18units 500Hours 0.00 um 0.00 um 1000Hours 0.00 um 30C/60%RH 18units 0.00 um 2000Hours 0.00 um 3000Hours 0.00 um 4000Hours 0.00 um 55C/ 85%RH 55C/ 85%RH Sample size 6 units 18units 500 Hours 0.00 um 0.00 um 1000Hours 0.00 um 1500Hours 0.00 um 55C/ 85%RH 60C/ 85%RH 18units 0.00 um 0.00 um 2000Hours 0.00 um 3000Hours 0.00 um 0.00 um 4000Hours Class 2 Class 2 No data Tin Whisker White Paper, Sept. 2012 30C/60%RH 0.00 um 1500Hours Temperature Humidity Storage (No Bias) Classification - 40C/ + 85C 1000cycles Temperature Humidity Storage (Ambient) Inspection Results (SEM) Site C Leadfinish Sample size Inspection Results (SEM) Site B LF Material Temperature Cyling Test Inspection Results (SEM) Site A Page 18 Class 2 Class 2 TEST RESULTS (Page 3 of 3): Tin Whisker Growth Measurement With Preconditioning(260C +/-5C) Assembly Site Package Profile Site B Site C Site D Pkg Type 28Ld TSSOP 128Ld LQFP, (14x14mm) 64Ld TQFP 64Ld TQFP LF Material Cu Olin 7025 Cu Olin 7025 Cu Olin 7025 Cu Olin 7025 Leadfinish Matte Tin(Sn) Matte Tin(Sn) Matte Tin(Sn) Pure Tin(Sn) -55 -55 Temperature Cyling Test Inspection Results (SEM) Site A ℃/ + 85℃ Sample size 6 units 18 terminations 500cycles 14.50 um ℃/ + 85℃ 18units ℃/ + 85℃ -55 30units 11.48 um 0.00 um 0.00 um 2000cycles 30C/60%RH 30C/60%RH 30C/60%RH 30C/60%RH Sample size 6 units 18 terminations 18units 30units 18units 500Hours 0.00 um 0.00 um 1000Hours 0.00 um 0.00 um 0.00 um 0.00 um 2000Hours 0.00 um 0.00 um 3000Hours 0.00 um 0.00 um 0.00 um 1500Hours 0.00 um 4000Hours Temperature Humidity Storage (No Bias) Inspection Results (SEM) 55C/ 85%RH 55C/ 85%RH 55C/ 85%RH 60C/ 85%RH Sample size 6 units 18 terminations 18units 30units 18units 500Hours 0.00 um 0.00 um 1000Hours 0.00 um 0 um 0.00 um 1500Hours 0.00 um 2000Hours 0 um 0.00 um 3000Hours 0 um 0.00 um Class 2 Class 2 0 um 21.39 um 4000Hours Classification Class 2 Class 2 No data Tin Whisker White Paper, Sept. 2012 19.53 um 33.41 um 1500 cycles Inspection Results (SEM) 18units 14.08 um 1000cycles Temperature Humidity Storage (Ambient) - 40C/ + 85C Page 19 SEM PHOTOS: SITE A 500cycles TCT (-55C/ +85C) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) Tin whisker length: 25.28um Tin whisker length:25.31um Tin whisker length:14.50um NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth 1500 Hrs THS (30C/ 60%RH) Tin Whisker White Paper, Sept. 2012 Page 20 SITE A 1500 Hrs THS (55C/ 85%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth Inspection Criteria: Item After Reliability Testing Axial length of longest whisker for TCT standard Reject, if >45um Axial length of longest whisker for ambient & THT standard Reject, if >45um Tin Whisker White Paper, Sept. 2012 Remarks Pass. Whisker growth observed in all samples after 500cyc TCT. Longest whiskers measures 25.31um. Pass. No whisker growth noted Page 21 SITE B 500cycles TCT(-55C/ +85%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) Tin whisker length: 21.18um Tin whisker length: 11.33um Tin whisker length: 11.48um 1500 Hrs THS (30C/ 60%RH) & (-55C/85%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth Inspection Criteria: Item Axial length of longest whisker for TCT standard Axial length of longest whisker for ambient & THT standard Tin Whisker White Paper, Sept. 2012 After Reliability Testing Reject, if >45um Reject, if >20um Remarks Pass. No whisker growth noted Pass criteria. Max whisker measures 11.48um Page 22 SITE C TCT : 1000/2000CYCLES TH (30C/60%RH) : 1000/2000/3000HRS With Pb-Free(260C +/-5C) Precon With Pb-Free(260C +/-5C) Precon No tin whisker growth No tin whisker growth Inspection Criteria: Item Axial length of longest whisker for TCT standard Axial length of longest whisker for ambient & THT standard Tin Whisker White Paper, Sept. 2012 After Reliability Testing Reject, if >45um Remarks Pass. No whisker growth noted Reject, if >45um Pass. No whisker growth noted. Page 23 SITE D 500cycles TCT (-40C/ +85C) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth Tin whisker length:14.14um Tin whisker length:14.08um NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) Tin whisker length:18.18um Tin whisker length: 21.78um Tin whisker length:19.53um 1000cycles TCT (-40C/ +85C) Tin Whisker White Paper, Sept. 2012 Page 24 SITE D 1500cycles TCT (-40C/ +85C) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) Tin whisker length:28.67um Tin whisker length: 31.30um Tin whisker length:33.41um NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth 1000 Hrs THS (30C/ 60%RH) Tin Whisker White Paper, Sept. 2012 Page 25 SITE D 2000 Hrs THS (30C/ 60%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth 3000 Hrs THS (30C/ 60%RH) Tin Whisker White Paper, Sept. 2012 Page 26 SITE D 4000 Hrs THS (30C/ 60%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth 1000 Hrs THS (60C/ 85%RH) Tin Whisker White Paper, Sept. 2012 Page 27 SITE D 2000 Hrs THS (60C/ 85%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) No tin whisker growth No tin whisker growth No tin whisker growth 3000 Hrs THS (60C/ 85%RH) Tin Whisker White Paper, Sept. 2012 Page 28 SITE D 4000 Hrs THS (60C/ 85%RH) NO Precon SnPb (220C +/-5C) Pb- Free (260C +/-5C) Tin whisker length: 5.66um No tin whisker growth Tin whisker length: 21.39um Inspection Criteria: Item After Reliability Testing Reject, if >45um Axial length of longest whisker for TCT standard Axial length of longest whisker for ambient & THT standard Tin Whisker White Paper, Sept. 2012 Reject, if >45um Remarks Pass. Whisker growth observed in all samples after 1500cyc TCT. Longest whiskers measures 33.41um. Pass. Whisker growth measures 21.39um after 4000Hrs THS (60C/85%RH) Page 29 Reference Documents / Articles: JESD201A Environmental Acceptance Requirements for Tin Whisker Susceptibility of Tin and Tin Alloy Surface Finishes JESD22-A121 : Test Method for Measuring Whisker Growth on Tin and Tin Alloy Surface Finishes Report # 20110222 : Site - A Tin Whisker Report for TSSOP 28L Report # RT120626-RM04 : Site - B Whisker Monitor Report for LQFP128LD Report # RTWR-2012-001 : Site - C Pb-Free Whisker Test Report for TQFP64LD Report # 2011H1SN : Site - D Tin Whisker Growth Monitor Summary report for Matte Tin Plating Process “A History of Tin Whisker Theory: 1946 to 2004” by George T. Gaylon “Tin Deposit Ripening and Whisker Growth” by Andre Egli Tin Whisker White Paper, Sept. 2012 : Page 30