[Denney Tario]

What you guys fail to realize is that there are many people that aren't with Epoch that are on the watch list now. Companies that are over 1% without ever doing a cross sell. What the industry needs to focus on is pricing. Because we pay so much to our affiliates, we, in turn, have to charge these high membership fees. Crossells chargeback at about a 1.5-2% ratio. Until October 1st this was a compliant number, if that weren't the case Epoch would be fined by Visa. They have not been. Now you see all the programs in the past years that had their problems and some have disappeared. Obviously Epoch has done something right to gain Visa's trust and can handle their ratios, even with crossells. Don't bash crossells bash the price we charge the end user for a subscription. You all know what i'm talking about. Pick your horse in this race wisely because some will get disqualified.