Lazy people small minded people that are broke, that didnt put in the WORK to get results, thats why everyone is not succesful because not everyone does thing in order to be succesful, how is it a scam to get people out of debt, how is it a scam to gice people guerratees on their money, how is it scam that we get people higher rates of return, how is it scam that we are goverment regulated!!!! How is it a scam that we are affiliated with Allianz, Transamerica, ING, and man more of the top financial companies, how would they even be affiliated with us if we were a scam????!! are you kidding??? makes me laugh... Are you a scam?