Everything in the pitch sounded so good, with travel discounts, free cruises, airlines, condos for $500 a week. We are not dummies, husband is ceo of a major company, but were caught up in the excitement. We tried to book places and there was nothing available for us. The free cruise is a joke, it is not free. Yes you can earn money by referring others, but this is not MLM (which many are very legitimate businesses with great products). Pyramid schemes have no products. We spoke with discovercard who are on our side and said they see this all the time. So far the charges have been reversed on our cc, wondering if this company is going to try to sue us.