The product this operation is marketing is excellent, however they have created a smoke in mirrors concept to job descriptions and territory. The bottom line is that you do not need to pay $2700 to be a Div Mgr or $400 to be an agent, not even remotely close. They have bascially created an illusion with these fees. Who pays a company to work for them anyways? Oh, and there are no free leads. They've got a creative spin, but in no way are they free. You can contract thru an existing channel of managers for $60.