I was doing sureys on line, started w/Panda Research - forced to open PayPal acct. to get paid. No money but they had my checking acct #, I closed 1 checking acct a few wks ago, I closed another checking acct a few days ago, I canceled 1 credit card a few days ago. I got hit from all sides, I'm close to $500 that 4 different scammers got from me. Upon receiving Onlingo I returned product in its pkg, when I called them up they told me it would take 6-8 wks for mailing to get back to them & they have 30 refund policy. When you do surveys, it's repetitive about buying products, you check NO, automatically it goes to YES. In a few months time you get the biggest surprise of your life. Onlingo has a good thing going w/their clause which none of us paid attention to upon acceptance. I've only had laptop for 3 mons., needed it to post resume on monster.com. Technology was suppose to be good, everybody has to have the latest, it turned out to be a NIGHTMARE...