Deceptive advertising & theft by deception - these folks enroll you into a scam by enticing you to by a $1.98 cd and then billing your credit card on the monthly basis for $84.97. By the time you realize you've been had, they have gotcha. No refunds available. There are 222 complaints against this company on the better business bureau website. This is clearly criminal for deceptive advertising and theft by deception. Do not give these folks your credit card #!! Buyer beware!!