On 9-11-08, this business offered a free Grant CD as a special offer for the 9-11 tragedy. I checked the website and it claimed to be legitimate and was heavily advertised on 10 major news networks. I requested the free CD with the understanding that there would be a $1.98 charge for shipping and handling fees, and a 7 day free trial membership to the resource library online, which I agreed to. I printed this out for my records, and it was 3 pages, with no terms and conditions. The only disclaimer I read ( out of all the website pages ( I... read full review »