Ok, so I paid my money and joined and 4 days later decided it wasn't for me and applied for a full refund since you had 7 days to change your mind. Joining was much easier. After completing the on-line refund form I was instructed to call during business hours to get a refund confirmation. Of course I got put on hold and had to listen to a sales pitch how you really need to give it a full year to find the right person and not to give up looking etc. etc. Then when I did get to talk to a person, they tried to persuade me not to quit by offering me 6 months at the 3 months price. I said no thank you and was told my credit card would be refunded. I'm not so sure I would try them again.