Dear Friend,

You may think the statement above is a little inappropriate - so be it...

It serves a purpose. I want to make absolutely sure that everyone who reads this page understands that the information we offer isn't for everyone. Its most likely the best - most effective information available - but...

In the five years we've been successfully helping people eliminate credit card debt we've learned that it takes a certain type of individual to use and benefit from our information. The last thing we want - is to be accused of taking advantage of unsuspecting souls. So...

The requirements...

• Able to read and understand the printed word;
• Willing and able to learn;
• Able to read and follow instructions;
• Willing to accept responsibility for your past, present, and future actions;
• Willing to stand up and fight for your rights;
• Willing to be a real man or woman;
• Willing to do your own paperwork.

If you don't have these characteristics - do yourself a favor - save yourself some time and money - go find another way to deal with your debts. We probably can't help you.

Here's why...

Effective October 17, 2005 Congress changed the bankruptcy laws, more about that later. Basically, they made it almost impossible for most Americans to use this Constitutionally guaranteed program to discharge their debts. So much for representing "We the People..."

Because of this, more and more people are having to find a substitute for bankruptcy - and there are quite a few available - some good - some bad... ranging in price from $20 for an eBook that offers no useful information to $10,000 for services that promise to do all the work for you.

Here's the hitch - all attempts to eliminate debt - even paying the bank exactly what they say you owe them - will run into a snag now and then.

Nothing - including making payments - is full proof or perfect. Banks have been known to lose or mis-apply a payment now and again. They admit to making billions of data entry errors every year.

For 98% of the people who use our information, this is no big deal. They complete the forms, mail them off, and never hear another word. For the other 2%, well - to quote Forest Gump - "it happens."

Your account may be bought by some idiot collection agency that thinks you might pay. Or, in a few cases, the bank may sue. At least the attorneys pretend its the bank suing.

If "it happens," you have two choices - settle - which a few do - or fight.

In almost 100% of the cases, once you send our documents to the collection agency they slither back under their rock and disappear. Case closed.

In those very rare instances when the bank sues...

Well - if you settle, as one member did - she had 11 cards totaling $50,000 in credit card debt - a year later one bank sued for almost $10,000 - she agreed to settle for 50¢ on the dollar - or about $5,000. Her logic? A year ago she had $50,000 in debt, now she's paying $5,000 to one bank and then all her debt will all be gone. A $45,000 savings - not bad. She figured that making an additional $45,000 in one year was an acceptable result.

Most members - however - don't want to settle. They want to fight. Their opinion is - "I don't owe the bank money - I won't pay the bank money. In fact - the bank owes me money - the bank is going to pay me."

Because we furnish just about every type of court document you could ever need - and on going support - fighting isn't that difficult. More about this later...

The Good News...

You've got about a 2% change of "it happening" - if you have the "cajonies" to stand up - take a stand - and deal with "it" - then we can show you how to legally, ethically, and morally - STICK IT TO THE BANKS.

And enjoy doing it...

Unlike everyone else that claims to be an expert on personal finance - a claim I do not make - I'm not going to lecture you and tell you that you caused the problem. I'm not going to lie to you and tell you that you were weak – you shouldn't have been so irresponsible – you should grow up and take responsibility for your financial problems. No – instead – I'm going to tell you – YOU DID EXACTLY WHAT YOU WERE PROGRAMED TO DO...

That's right – YOU DID EXACTLY WHAT YOU WERE PROGRAMED TO DO...

The banks spend billions of dollars every year programing you into debt...

You think I'm lying?

The credit card companies – MasterCard - Visa - Discover – and their affiliate banks have spent tens of millions – if not hundreds of millions of dollars on market research because they want to find out exactly what makes people - like you - want to have and use a credit card.

Watching your son's Little League game is priceless – for everything else – there is MasterCard – or Visa - or Discover.

Notice they don't mention the fact that you have to repay this dream – and that they charge obscene rates of interest.

No - because they want to make you feel like the American Dream – is only available to people who have a credit card. No credit card - no American Dream. No credit card - you're a loser.

You aren't where you are by accident...

Here's something to think about. Everyone who is over extended and in debt have not gotten there by accident – they have gotten there by design. By bank design.

I get literally hundreds of credit card solicitations each year. I will get as many as 5 in a day. As many as 20 in a week. This started me thinking – how many solicitations do these banks send out each year?

I found one magazine article that quoted 2.5 billion, that's with a B, were sent out in 2002. I found another article that quoted the number at 10.5 billion in 2004.

Imagine – you have a money problem – you get a dozen solicitations offering a temporary solution – what do you do? Get a credit card or let your kids starve?

Again – the banks know this. In fact, another magazine article stated that these banks target people with money problems. They don't go after the people with great credit - because they know these people won't use the card – or – if they do – they will probably pay off the balance each month. No money in that.

So, they target the people who have lower credit ratings. Because they they know these people already have to much outstanding debt.

They know these people will not pay off the balance each month - because - they can't afford it.

They know that eventually these people will only be able to make minimum payments each month.

They know these people will miss a payment occasionally – so they can raise their interest rate – charge them late fees.

They know these people will go over their credit limit – so they can again raise their interest rate and charge them over limit fees.

These are the people the banks pray on - BECAUSE - These are the people that pay the banks lots of money.

No – you're not over your head in debt by accident – you're over your head in debt by design – because that's what the banks want.

But there's more...

Once upon a time, fees (late fees, over limit fees, etc.) where charged as a penalty – an attempt to keep you paying on time. Not any more. Now, because of banker's greed, fees are a major source of revenue for the banks. And by major source, I mean hundreds of millions of dollars each and every year.

The banks want you to be late. They want you over your limit. They want you paying these fees.

Because its money in their pockets.

And the greed just keeps growing...

Many years ago, back in the late 60's, I worked for a small loan company. Before we approved a loan we would call the applicant's other creditors and find out how they were paying. This is before the advent of the “Credit Bureau.” Because making that first loan was personal.

Then once the person was a client, we determined all future loans on how well they had paid us. Because we were in business to make money. Not for other creditors – but for us. We really didn't care if the client paid anyone else or not. As long as they paid us – everything was just fine.

No longer.

Read the new credit card agreements. If you get delinquent with any creditor, they reserve the right to raise your interest rate. Even if you are current - and pay on time.

How do they determine if you are delinquent? They get a monthly report from the credit bureaus.

The catch...

The information in the credit bureaus comes from the creditors - the banks. According to some recent reports – 80% of all credit bureau files have errors. In other words, the banks are intentionally reporting false information because they all want to raise your rates.

And the Credit Bureaus just say - so what?

Can you spell CONSPIRACY?

Adding insult to injury...

I'm not sure this has anything to do with what we are talking about – but – it makes me mad so I'm going to rant.

If you watch the Oprah Winfrey show you'll have noticed that they have a new segment – the “Debt Diet.”

On this segment they go out and find “typical” Americans that are up to their eye balls in debt. I mean serious debt – from $45,000 - $170,000 in debt. Then, they introduce these lucky people to one of the shows “debt experts.”

These “experts” have one goal. Get the banks paid off.

They have one method – reduce spending and put that money towards paying the banks.

Now, this isn't necessarily a bad idea. Some of these people have severe spending problems. They really do need to grow up and act like adults.

That being said, the rest of the show, in my opinion, is nothing more than an info commercial for banks. Why? Because the people are portrayed as immature and irresponsible. They are made to feel ashamed of how they have acted. They are shamed into feeling they have to pay these debts off. That its the only honest thing to do. They are furnished mis-information.

This is the song and dance we have heard since we were kids. If you borrow you must repay. And I agree. If you borrow. This guilt trip – and deceit - is what has kept the banks in business for the past 93 years.

Here's the part that is upsetting – one of the shows major sponsors is “Citibank.” They preach that using credit cards is the major cause of the problem – then they sell the product on the show. How's that for hypocrisy?

Bankruptcy...

Once upon a time bankruptcy was the easiest and safest way to discharge a bunch of unwanted debt. Because it was a simple, easy, and affordable way to get a “fresh start.”

Problem is, over the years bankruptcy has started to lose its “stigma.” It's no longer considered a social disgrace to have declared bankruptcy. More and more people were using it. Successfully. And more and more people where having to use it thanks to the success of the credit card companies' advertising.

Bank customers were getting their "debts" discharged right and left.

There is a reason that bankruptcy was so successful and effective.

When you file for bankruptcy your debtors - the banks - have to validate the alleged debt you owe them:

Black's Law Dictionary, Sixth Edition:

Validate. To make valid; confirm; sanction; affirm.

Valid. Having legal strength or force, executed with proper formalities, incapable of being rightfully overthrown or set aside.

Confirm. To complete or establish that which was imperfect or uncertain;

Sanction. To assent, concur, confirm,

Affirm. To make affirmation; to make a solemn and formal declaration...

This is legalese for the fact that banks have to prove they actually lent you money and they have that money at risk. Proving an account or an agreement is not sufficient.

This is why 99% of the time, according to bankruptcy court records, the banks never showed up for trial - because they couldn't validate the alleged debt. No sense in spending time and money fighting that which you can't prove.

Something had to be done.

The bankers did what they do best. They went to “their” Congress and started spreading the word (money). Congress responded. They changed the bankruptcy law. The changes became effective October 17, 2005.

The changes effect most middle class Americans. If your family makes over the median wage for your area, you don't qualify for Chapter 7 discharge. You are forced into a repayment program. From what I've read, these programs are quite onerous. They are based on the IRS “starve and punish the family” rules. Not a place you want to go.

I bring this up for two reasons. To let you know that bankruptcy may not be available to you now - and to show that the debt the banks allege you owe and are demanding you repay – and are charging you an un-Godly rate of interest on – doesn't really exist.

BANKS DON'T LEND MONEY.

“A truth's initial commotion is directly proportional to how deeply the lie was believed. When a well-packaged web of lies has been sold gradually to the masses over generations, the truth will seem utterly preposterous and its speaker, a raving lunatic.” - Dresden James

Then how...

Now you're probably wondering - if banks don't lend money then how do we pay for all those items we purchased using the credit card?

How do we pay for all the cars we buy?

How do we pay for all the houses we buy?

And so on, and so on....

Let me prove my statement.

"It ain't what you don't know that gets you into trouble. It's what you know for sure that just ain't so." - Mark Twain

Here's proof.

In their publication Modern Money Mechanics the Federal Reserve Bank of Chicago states at pages 6 & 7:

"If business is active, the banks with excess reserves probably will have opportunities to loan the $9,000. Of course, they do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created. What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers' transaction accounts."

"Loans are made by crediting the borrower's deposit account, i.e., by creating additional deposit money."

The Story of Banks, Federal Reserve Bank of New York, page 10:

"With an original deposit of $5,000 and just three transactions, three banks got $13,550 in New Deposits and made $12,195 in loans. A lot of money is created when the banks, credit unions, and savings and loans in the United States get involved."

The Story of Monetary Policy, Federal Reserve Bank of New York, page 11:

"That is, the Fed buys securities with money it creates, money that didn't exist before. The bank, in turn credits the seller's account."

And, from the court's decision in First National Bank of Montgomery v. Jerome Daly, December 9, 1968:

"Mr. Morgan admitted that all of the money or credit which was used as a consideration was created upon their books that this was standard banking practice exercised by their bank in combination with the Federal Reserve Bank of Minneapolis, another private Bank, further that he knew of no United States Statute or Law that gave Plaintiff the authority to do this."

As you can see, the fact that banks don't lend money isn't make believe. It's not some "patriot myth..." Because it's confirmed by the banks themselves - and the courts.

“Any informed borrower is simply less vulnerable to fraud and abuse.” - Alan Greenspan

Convinced yet?

Let me share with you some real live numbers that prove what is being said.

First a little mutual understanding.

If banks actually lend money, they only have three sources for that money:

1. their paid in capital, the money they collected from selling stock;
2. profits they've earned from doing business; and
3. depositors' money.

Also, from their paid in capital and profits, they are required to maintain a reserve to cover future loses. This is money that can't be lent out.

The following figures are from NextCard, Inc. and its subsidiaries. The time period is from September 30, 2000 to September 30, 2001 - a year:

As you can see, based on the three sources of funds available for lending, the bank only had $200,815,000 available - yet, according to its own numbers, it lent out $916,863,000. Where did these cunning little bankers get the other $716,048,000?

STEAL IT?

"The crowd always loses because the crowd is always wrong. It is wrong because it behaves normally." - Fred Kelly

Still further proof...

If banks lent their capital, or their profits, or their depositors' money - the total amount of "money" would not increase as the amount of loans increased. After all, if you have to own a dollar to lend a dollar, the number of actual dollars would remain constant.

According to the Board of Governors of the Federal Reserve System, the total amount of "money" in circulation increased from $8.9956 Trillion in Feb. 2004 to $10.2403 Trillion in January 2006.

That's an increase of $1.2447 Trillion in just two years.

Where did it come from? How was this "money" created? Who "created" this money?

"Fascism should rightly be called corporatism as it is a merger of state and corporate power” --Benito Mussolini

How credit card accounts work...

At this point it is extremely important that you understand exactly how credit card accounts work?

It's real simple. They work just like your checking account.

You deposit money into the account. You use the card to make purchases and the appropriate amount is deducted from your account.

But, unlike a checking account, the money you deposit, originally, is not in the form of a check or cash. Instead, the bank accepts your application in exchange for "credit card account credits." In other words, you fund your own credit card account just like your checking account. It's just that the names are changed to protect the bank, and to confuse you.

This is why nothing is lent. The money was yours to begin with.

Fraud...

First we'll give you a few legal definitions so you'll know exactly what we're talking about. The following definitions are from Black's Law Dictionary, Sixth Edition:

Fraud. An intentional perversion of truth for the purpose of inducing another in reliance upon it to part with some valuable thing belonging to him or to surrender a legal right. A false representation of a matter of fact, whether by words or by conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. Anything calculated to deceive, whether by a single act or combination, or by suppression of truth, or suggestion of what is false, whether it be by direct falsehood or innuendo, by speech or silence, word of mouth, or look or gesture.

Elements of a cause of action for 'fraud' include false representation of a present or past fact made by defendant, action in reliance thereupon by plaintiff, and damage resulting to plaintiff from such misrepresentation.

As distinguished from negligence, it is always positive, intentional. It comprises all acts, omissions, and concealments involving a breach of a legal or equitable duty and resulting in damage to another.

Fraud, as applied to contracts, is the cause of an error bearing on a material part of the contract, created or continued by artifice, with design to obtain some unjust advantage to the one party, or to cause an inconvenience or loss to the other.

Material fact. Contracts. One which constitutes substantially the consideration of the contract, or without which it would not have been made.

Now, consider the following questions:

• Did the Credit Card Application you signed clearly state that it would be used to fund the account?
• Did the Cardholder Agreement you received clearly state that the Credit Card Application would be used to fund the account?
• Do you consider the fact that the Credit Card Application is used to fund the account material – or - important?

If you think like everyone else I have spoken to, you agree that having the Credit Card Application fund the account is material – or - very important - because it is.

That being the case – the fact that neither the Credit Card Application nor the Cardholder Agreement reveal that fact – pursuant to the law - both the Application and the Agreement are fraudulent. They are void. You really don't – and never have had - an agreement with the bank.

Also, because your application, your property, funded the account, you don't owe the bank any money. Matter of fact, the bank actually owes you money.

It is also important to remember that all of this deception is done intentionally. The application and the agreements are written with the intent to deceive. They are written in such a way that most, if not all, cardholders believe the bank is actually lending them money. Which, as we have shown, is not true.

Conversion...

Again from Blacks Law Dictionary, Sixth Edition:

Conversion. An unauthorized assumption and exercise of the right of ownership over goods or personal chattels belonging to another, to the alteration of their condition or the exclusion of the owner's rights. Any unauthorized act which deprives an owner of his property permanently or for an indefinite time. Unauthorized and wrongful exercise of dominion and control over another's personal property, to exclusion of or inconsistent with rights of owner.

When the bank takes your application, without your knowledge or permission, and converts it to an asset for the bank, it is guilty of conversion. A crime.

Unconscionable bargain or contract...

Unconscionable bargain or contract. A contract, or a clause in a contract, that is so grossly unfair to one of the parties because of stronger bargaining powers of the other party; usually held to be void as against public policy. An unconscionable bargain or contract is one which no man in his senses, not under delusion, would make, on the one hand, and which no fair and honest man would accept, on the other.

Why don't the bankers tell the truth? Because, as shown above, the contract would be considered unconscionable. It would be immediately void. Besides, who in their right mind would agree to pay the rate of interest the banks are currently charging to borrow their own money? Even I'm not that stupid.

The bankers know this. They may be extremely dishonest – but – they aren't stupid. Besides, they own Congress – Congress created this Monster in 1913.

“Give me control of a nation's money and I care not who makes her laws” - Mayer Amschel Rothschild

Why Congress doesn't' stop it...

Look at the federal debt, as of April 1, 2006 at about 1:00 PM EST the debt stood at $8,369,338,000,000. That is about $8.4 Trillion that the Congress has been able to spend without asking your permission or directly taxing you.

All they have to do is increase the debt ceiling and go the Federal Reserve System and "borrow" the money.

A coward's way of running a government. But very effective.

This is how they can promise so many things to so many people without having to worry about paying for it. They just "charge it."

Hidden taxes...

What most people don't understand. This constant creating of new money is what causes inflation. And inflation is nothing more than a hidden tax. By inflation, the government steals 3%- 10% of your labor every year.

“The ideal tyranny is that which is ignorantly self-administered by its victims. The most perfect slaves are, therefore, those which blissfully and unawaredly enslave themselves.” - Dresden James

Oh, those feelings...

If you've read this far and don't feel a little "angry" - you lied - you are a whimp. Stop reading - you're wasting your time.

However, if you've gotten this far - and feel really "pissed off" - welcome fellow American.

It is time to learn how to stick it to those lying – cheating – scamming anti-American Nazi bankers.

What we can do for you...

Show you how to eliminate all of your credit card debt and other unsecured debt morally, ethically, and most importantly - legally, without you having to consolidate your debt, negotiate for lower payments or interest rates, and without bankruptcy.

How you will do it...

• By legally rescinding your signature from your credit card applications;
• By legally surrendering back the credit card accounts to their creators;
• By legally paying off the accounts, in a spirit of good faith, without risking any of your own money;
• By legally billing the bank for the illegal use of your property.

A "Substitute for Bankruptcy"...

Now that the classical form of bankruptcy is no longer available to most Americans, you need something to replace it – a substitute.

That's what we offer. A substitute for bankruptcy.

What you get:

• Step by step instructions on how to legally rescind your signature from your credit card applications;
• Step by step instructions on how to legally surrender back the credit card accounts to their creators;
• Step by step instructions on how to legally pay off the accounts, in a spirit of good faith, without risking any of your own money;
• Step by step instructions on how to legally bill the bank for the illegal use of your property;
• Support, just in case you have a question.

How things work...

We offer you a membership to our website: Milktoast.info.

On our website is a ton of information. Things you need to know. Included is all the documents you will need to eliminate all your credit cards and other unsecured debt. And, step by step instructions on what to do and how to fill out the documents. Each document has its own set of instructions.

As you might have guessed – you do the paperwork. It isn't difficult. Just copy and paste the document from your web browser to your word processing program and make the necessary changes to personalize the document. Then you save it to a folder. I recommend a folder for each account. Keep all documents for that account in the same folder. Simple and neat.

Then, once you have your first set of documents finished, do a save as, for a new card and use the “find and replace” function on your word processor and change the information to comply with the new card. For instance – bank name. Just find “Discover Bank” and replace it with “Citibank.” Quick and simple. Only takes a few minutes.

What our members say...

Jim, When I became a member my credit card bills were overwhelming and the creditors would not work with me to lower the interest rates. Now, after using your services, I no longer get collection calls or letters. Your support forum is a life saver. Not only do you answer questions quickly, I found out I'm not alone with this problem. The templates for the letters - they are great! And would you believe? I recently got a home loan and was able to show the Defaults that were filed in court to prove the debt was not mine. Wendy

Dear Jim, I used your service because I was impressed with your website, it conveyed knowledge and experience. It also gave me confidence that I would easily receive support when I needed it. Another thing I appreciate, is that you do respond to questions very quickly. Since sending our letter, we have not heard from the bank or collection agency, and that was back in November, so now we will see what happens, but I have peace of mind that whatever happens, I can get help. I no longer feel alone! I am very grateful for everything you have done. Thank you for all your help. I wish you continued success... Sincerely, Celine

I'd like to thank Jim, (and any supporting staff), along with the others that have posted here. When I first saw and read the information here I was very skeptical of what was being said. I mean come on-would "our" government really let a fraud like this go on? They work for us.... right!?! I served in the military, worked for years in R&D, and did what I thought was required of me by the united States of America and of my home State. Honestly, I had written sites like this one, (and others), off as being whacked out nut cases. That has changed considerably, (I'm a whacko, he's a whacko, wouldn't you like to be a whacko too? . Now I have a better understanding of not just this subject, but also of Common Law, UCC, the implications of ZIP codes, and other issues, (like how the "United States of America" is a Corporation, and not to be confused with the "united States of America"), and that we are all slaves from birth, why we are treated like animals by the companies we work for, and why they have been getting away with it.. Yes I have been burning the midnight oil- Knowledge is POWER. I have run some of the precepts here passed some of the Bloodsuckers, (Collection Attorneys), I work for/with. From their reactions I see clearly this information is true, not to mention damning. They got real quiet and didn't want to talk about it. I have since put in my notice. regulator

The following was recently posted to the "Personal Experiences" section of our support forum: Wow!!! Wow, wow, wow, wow WOW! I just looked up my credit report and it's amazing! Although a few cards are still showing past due, NONE of the cards that are out for collection are showing as out for collection. FirstEquity, the nastiest one of the bunch has dropped out of existence, doesn't show anywhere. 3 CapOne accounts have gone poof as well. No evidence they ever existed. ALL 6 AMEX accounts have gone poof. No evidence they ever existed. Two accounts show as closed, paid as agreed. That's 12 out of 25. 50% right out of the box. I can't tell you how grateful I am, Jim. Thank God for your dedication and courage. The rest of these bad boys are history. Next stop: mortgage. Those suckas are going down this year. Stay tuned. PTRMS

3 Day - Risk Free - Money Back Guarantee:

I know that even if you're not a whimp - making this type of decision can be tough. You don't want to make a mistake. You may have already been lied to, scammed, or cheated. I don't want that to happen again, not with me. So, let me take away all "your" risk. Here's the plan:

• Become a member.
  
• Visit our website.
  
• Read the information.
  
• Check out the forms and notices.
  
• Log into the support forum.
  
• Find out what questions other members have.
  
• Find out what the answers are.
  
• Read what other members have to say about our process, our information, our support.
  
• You have 3 Days, investigate.
  
• If you find that we don't give you everything you need to successfully eliminate all your credit card debt, to deal with banks, collection agencies, attorneys, arbitration and law suits - I'll refund 100% of your membership fee, no questions asked.

The Privileges of Membership:

All memberships include the following:

• Lifetime Access to our website where you will find all the most up-to-date information available.
  
  This may not sound like much - but - believe me - it is - because - there are collection agencies out there that specialize in old - written off accounts. They know that many people - years after the fact - will not know how to handle their collection efforts - many don't even remember having the account. Most other businesses only guarantee to help you for a certain period of time. For example: once the account has been inactive for a year - no attempt to collect has happened for a year - they consider their job done. From that point on, you are on your own.
  
  Not us. One year later - five years later - makes no difference - you need help - our website is available to you. Log in, look at the most up-to-date information and do what is necessary to make them go away.
  
  Or, if something happens 5 - 10 years down the road and you need to use our services to eliminate new or additional credit cards? Be nice not to have to pay another membership fee - wouldn't it?
  
  
• Step by Step instructions on how to use the information to eliminate credit card and other unsecured bank debt. It's easy and straight forward.
  
  
• Eliminate an unlimited number of credit cards. Once you learn the process you can duplicate it on one or a hundred cards. There is no limit and no additional fees. This can result in a big savings if you have a lot of cards to eliminate.
  
  
• Easy no hassle templates to create your notices. Its so simple: just copy and paste our examples into your word processor and make the necessary changes to reflect your personal information. Anyone can do it. No need to pay a large fee to have someone else do what you can do, easily and quickly.
  
  
• Support via our online question and answer forum. Important because you can find out what others have asked. More than likely, your question has already been asked and answered. If not, just ask and an answer will be forth coming.
  
  Best of all, you get to meet people in the same situation you are in, without any embarrassment. Anonymously.
  
  
• Our 3 Day money back guarantee. We take the risk because we want you to feel secure in your decision and comfortable with our information.
  
  
• All of this for only $497

Courage is seeing your fear in a realistic perspective, defining it, considering alternatives, and choosing to function in spite of risks. —Leonard Zunin

Respectfully,

P.S.

If you're ready to stick to the anti-American bankers...