MLM
В ответ на:Ребята у меня складывается чувство, что вы всё ещё не умеете отличить пирамиду от МЛМ
http://www.quatloos.com/mlm/mlm.htm
Multi-Level Marketing (MLM)
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Refunds
The worst programs will promise you some sort of refund if it all doesn▓t work out. These are the worst programs because the refund programs are usually contingent on this-or-that, require long forms and long waits, often the refund is only 30% or so of what you spent, and usually the refunds are illusory (meaning that they company will never pay out the refund to you). The MLM programs which offer refunds do this to create the illusion that there is ⌠no risk■ to you -- and this is a 100% fraud because as discussed, you odds of actually
getting your money back is infinitesimally small.
At least the companies which don▓t offer refunds tell you this up front so that you are not suckered into believing this nonsense.