Wow, just learned something amazing I did not know, while watching part 8. Paypal will pay for a thing with no interest, no money upfront, if you pay it off within 6 months. So, people have 6 months to test drive a course, and hopefully make up the cost of the course within that time, you get the money right away. This seemingly lessens the calls for refunds. Hmmm. So when people tell me they don't have the money for my business, but they really want to join, this could be helpful.