They indicate there is a money back guarantee after 90 days so you send off your $65.

In return you receive a disk containing generic information on running a business and a list of 500 business names around the country. You attempt to contact the ones that are still in business and determine that while some require actual visits to the distant office, most pay an amount per entry which works out to only about $2 per hour.

You remember after 90 days to call for a refund but the line has been disconnected. Behind the scenes, the business has once again changed names and phone numbers and continued on with its nationwide advertising, knowing that their victims seldom make a fuss over the small amount they have lost to this deception.