No. Each invoice has a different set of terms... the invoice seller is the one who defies the terms...  You say that you "like being right and gloating about it". Yet you either have no idea what you're talking about or you are purposefully spitting out miss-information...  

No populous is not one of the worst performers. in case you haven't realized the entire market has been down lately. Everything will tend to follow Bitcoin, so your glorious prediction is probably based on nothing more than whatever you expect bitcoin to do.