I bought a business plan from ethos360 and at first all was well. I talked with Michael Cassella and he was polite but distracted. I figured no matter as there will be more communication and give people the benefit of the doubt. Without any more communication they billed my card for the next payment and sent me my plan full of very basic errors. When I e-mailed my concerns I didn’t receive a call or e-mail back to my concerns until later from the “MBA” who said he would work to fix it. Maybe, but to this point I have wasted a lot of time and money with this company to get a very bad product that I will need to spend more time trying to make even passable to my backers. I wouldn’t buy from them again.