As a senior citizen needing to have speeedy delivery of the Healtmaster, I made the sacrifice to pay it in one payment with promise of delivery in 5 to 7 business days. I ordered May 4, 2011 and tracking says I will not receive it unitl May 17, 2011. So do not believe Montel's promise of delivery. You might as well pay it in 4 payments, you will not get it any sooner. I ordered the elite model of health master. I should have known better than to truse anything they tell you when you order. They also try to sell you and offer every thing... read full review »