This does not seem right to me. If you are armed stay you would still want your panics to work. Not sure why UL would not permit that. You now have a key labeled Fire or Police panic and when you press the button it does not work if you are armed stay.
Obviously you dont want a false alarm if you push a function key and open the garage door if you are armed.
I'm not sure about the F keys, but I assume that they still work. Elk only mentioned the ELK key - nothing about the F keys.
From ELK:
"Once the system is Armed UL mandated the “ELK†button be disabled which ELK can’t change without resubmitting for UL Testing."
Thanks,
Eric