After the first 'presentation', (I said "no, thanks"), they offered my wife and me a weekend in Sedona, all we had to do was attend ANOTHER 'presentation' there. I would get a $100 gift card for doing such. Then they asked for a "refundable deposit" of $100 to insure my attendance at the Sedona 'presentation'. Then they charged me $50 to change my reservation in Sedona, they said this would come out of the "refundable deposit". I attended, listened, and politely said "no" again. I got my $100 gift card but have not seen a penny of the $50 ("refundable deposit")! STAY AWAY!!!!