As a suckered ISMAmeica division manager I've had all I can take. They claim "unlimited free leads" but that means you hustle all your friends and family into buying. Your aquaintances are the "free leads". They origionally forced division managers $2700.00 to be a part of their organization, then they started charging $5500.00. They say that they require you to have your own office to start. Imagine my surprise when I find out that they made many deals with people that did not have to pay. Compound that with finding out that once you sign some long lease for an office, they let many other managers sign on without having an office. The sad thing is that ISM who owns the plan they sell is in on the whole scam. When sales are non existant they try to talk you into joining a MLM for prescription discount cards (it would take you 10 years to break even) and a simple discout card you can get at Walgreens or CVS has better savings. The worst part is when we get presented a viable solution to help us make money from another company, the President Michael Gerry declares that the company is somehow a bad thing and trys to keep us from making any money. ISMAmerica does not "save the American dream" it bankrupts everyone it comes in contact with. This company should be shut down for fraud. If you are thinking about joining this fiasco..... don't walk... RUN!!!