This is just ridiculous. We as americans are in a state of decline as far as our economy and we find out information that could possibly help us financially and so we apply for a FREE cd and only shipping charges. However within 3 days of ordering my husband and I were charged 39.95 on our account. I understand that in one response you stated that after a 7 day free trial then you would charge us. But how in the world (mind you I have yet to recieve my FREE cd) were we charged within 3 days of the order?????????????????? Also, how was I... read full review »