Then, years later, when they have lost over $100,000 in something so simple as (-) declining funds, then and only then ,as a Group, they get Upset and blame Someone else.
Did it for years.
For a very low commish=high quality product.
Not all these slick suit 'sharks' selling high commish front and flow junk !!
Very scary how teachers and nurses and some office workers are afraid of their ignorance on such an easy subject and thus ignore it.
A true trajedy.
