Thanks all--very helpful. I understand where you are all coming from. I viewed this as building technology to show consumers a contrast to a concept of term + investing the difference, and selling it to agents as part of their Ninja subscription. What they do with it is up to them. They can use it to cross market and send their own clients to via email/enewsletters etc. They can run PPC to it. They can write content about accumulation and send that traffic to it etc. I know that I could run visual/display PPC ads and generate leads as it is...at what cost and at what rate do they close by phone is the variable. Anyway, thanks all.