I'm not trying to be difficult. I am not a dumbo, I have spent my entire life (after 30) working for myself and doing fairly well, so I know I am not stupid. Yet, I cannot seem to understand your concept - what it is, how it works and how I would benefit by joining.

If you think others may also have the same problem, why not provide a clear explanation (as if for a kid), so that we can decide whether to invest/join, or not?

If, in turn, you do not understand why I do not understand, I'll ask the ghost of marketing to visit you this Christmas :)