I fell for this thinking this was a good way to make some extra income. What they do is charge you $1.97 for shipping and handling of the CD that they send out, but if you don't read the terms and conditions page after filling out there online application you have no idea that they will begin billing your account for $72.21 on a monthly basis. I did have a representative call me and ask about my personal finances, how much I owed and that I should establish some credit card account for business use at this web site... read full review »