. . . "nder, the binder is comprised of resin(s) comprised of a phosphorous-containing group in which X is a hydrogen, a monovalent hydrocarbon or an oxygen atom having a single covalent bond to the phosphorous atom, and each oxygen atom has a covalent bond to a hydrogen atom, an alkyl group, an aryl group, an alkylaryl group, an arylalkyl group, or the resin or one of the resins, with the caveat that at" .