I second all comments made in the November posting. I maxed out my cards to pay for the Elite Gold Package, and my credit score plummeted from 719 to 633. And, the courses are total "fluff". I actually counted the instructional hours at the last 3-day "retreat" I took on commercial real estate. There were exactly 5.5 hours of "training", with the rest of the time spent on breaks (where there were no refreshments other than tap water with ice), starting late, upselling the "CD" recording of that seminar I wa... read full review »