My wife and I are in our mid to late 60's and live on retirement and S.S. When our conman, Sean Munday, revealed the price for what he was selling we told him that we couldn't afford $19, 000. But his reply was, how about this. In January we give you 50, 000 points and then you go through advantage and can convert 5, 000 of those points to $5, 000 cash and put that towards what you owe. Come January we find out that advantage has never done cash conversions like this. The lady also stated that she has heard this from several victims. When we got called back for our orientation a couple months later, it was nothing but another sales pitch from Josh, telling us we would have to buy a new package because every time they change bosses the old deals are out and new ones are implemented. He stated the cash conversion was gone but had not been replaced yet. I wonder if Sean's family is proud of how he scams out of their money. My credit score has gone down and I am having to pull money from different places to make the $193.00 monthly payment. You got me Sean, but I'll still pray for you.