My understanding is that _is_ the case, larry. As I said in my post above, at less than a couple of dollars a month, expecting a fully streaming service would be a bit optimistic. Also, because the site's embedded player is Flash based it won't work on out-of-the-box IOS or Android devices although it's possible to sideload browsers that can support Flash on these, Google will tell you how. I haven't personally tried this so I can't vouch for how successful it is.
All that said, I still consider the subscription excellent value. I'm particularly enjoying being able to call up composers' biographies and follow the links to items in the Naxos catalogue to listen to them. I've already found several gems that I was totally ignorant of. It's like a marvelous musical candy store