i had a bit of a let down after not getting the "wow" factor after first read. with some time to study it further, i do believe we are looking good with much upside potential. i'm not overly enthusiastic about the dental plan, and at first glance i thought the gift card exchange was just dumb. after thinking on it, i believe the exchange could be one of our biggest winners, depending on how saturated the market gets. the card exchange is very little investment for the rewards. can't image walmart, target, etc. not advertising on the site giving a percentage boost for trading to their gift card. with advertisers fees, we could , in time, give a 1 to1 on the exchange. no cost to the customer and little cost to run the site for us. i know i dreamed of waking up monday a much richer person, but in reality slow and steady is the true recipe for success. jmo