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I also Agree. I was told the same thing about up front money from the Golf group. The only way to keep up with what they say is to have a tape recorder. I do not know where you could get one with long enough battery life for all the bull. They will do anything,even open credit card accounts through RCI to get you. I am still fumiing 2 years later. I would may salesman name if I thought it would do any good. I felt very taken days later.