Wait, people. Before we start talking out of our asses, why don't we do SOMETHING? THAT was the advice given to me - do SOMETHING. If you don't want to participate, then don't. If you have a better idea, then propose it. I cannot sit here and do nothing while my and my referrals' money is sitting out there in limbo. So please - be kind. If you cannot be kind, please just shut up.