when my husband & I got into to this they did not let us what it really was .. we have not been able to get what they Promised. And every time we call to talk to some one it is always a different story . Know one knows the right hand from the .I have kept notes from each phone call but they have no record of what i have said . when i ask to hear the recordings we get discontented. they also promised . us a cruise Never happened .so they are not holding up their end of the contract !!!!!!!!!!!!!!!!!!!! Ernesto & Susanna Garcia