All that has changed. But that buyer who had to save the 20 percent had a 20 percent cushion from the start.

(1) Never give anything away for nothing. (2) Never give more than you have to give (always catch the buyer hungry and always make him wait). (3) Always take everything back if you possibly can.

A lot changed when I had Natasha. I'm a survivor.

It's an empowerment thing, something to save their lives.

Sixty percent of customers that get a refund say they can't save any other way. It's their only savings vehicle.

It's nice to have a cushion.