Don't spend your money on this company!!! They take your cash and you get no customer service if you need to talk to your assigned counselor about their services. They don't return phone calls ever. You get an answering service all the time. They are quick to call you if you initially inquire about joining their introduction service. They shut down my account because I was displeased with the service, and refuse to respond to e-mails or phone calls. If you call their affiliate companies in other cities, you don't get a response either. I lost $1000. BEWARE.