I received a cold call from this woman who is clearly calling from a boiler room operation in which you can hear numerous other calls being conducted. She said she is calling from the Royal Palm Club of Dallas. Rather than simply say I had no interest I decided I would listen to her. She asked how I was doing and I asked her what The Royal Palm Club is. She then hung up... I'm not sure which customer service schoool she graduated from, but I think we can assume they are total scam artists...