Greetings all,

I propose that instead of charging the fees that you do(.01 or .5%) and then give back the fees to the people, just charge a lesser fee in the first place.  The way I understand it, you are keeping 30% of the fees, and returning 70% to the customer.  How about instead, you charge 30% of the fee you want to charge in the first place, eliminating this extra step, and making it a more fair price for the service, and get more people to join.  Just a suggestion, but it is rather logical.

-KBundy