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Restrictions to Cuban Travel?

If I read correctly, Fodors says American citizens' travel is not restricted in Cuba, only commercial transactions and therefore direct flights and banking type issues are raised. www.fodors.com/stt.cgi?dest=Havana@24

Looking at the Dept. of Treasury's Office of Foriegn Assets Control Travel restriction it says:

"Travel to Cuba is severly restricted...Under these regulations, spending money relating to Cuban travel is prohibited unless the traveler is licensed. The restrictions include spending money (in any currency) whether travelers go directly to Cuba or via a third Country and providing of any kind to Cuba or a Cuban national."

It says that licenses are given to Journalists, official government travelers, international organizations, persons visiting relatives and "travelers with specific licenses".....
Now, not to be too square, but has anyone out there every gotten a "specific license" and if so can a full time student get one. I am well aware of the third-country-no-stamp-on-passport-method, but am wondering about legal options first. Any comments would be appreciated!

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