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Why not just ask PTOI??

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because, according to you, PTOI is a scam.

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What I'm saying is the constant references to look at everyone except the company itself is ridiculous. I think PTOI is a scam

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The smart thing for anyone to do is e-mail the company and ask whether there actually *is* any situation where the processor created any type of a value add.

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You continue to use faulty logic to try to justify your position. You pretend to offer a "legitimate" argument.

You have failed miserably in your efforts and it's only going to get worse for you from here on out.