Hot Fixes are issued to fix specific items identified by clients for which there are no reasonable workarounds. They are not rigorously tested, so are not generally available.

They are incorporated into a Service Pack once the list gets long or as part of the normal maintenance for a module.

Steve Schwartz said that the financial reporter only asks about saving GL!Report1 if you actually make a change to it (which I would consider desirable behaviour). If you immediately select File | Open and work on another sheet, then the financial reporter closes GL!Report1 without complaint.

I'm assuming that "a million dollars" is an exaggeration.