My advice is..... Take that $200 you want to spend buying TDGI and use the money to go to Florida for Spring Break and chase some girls. You're young and in college. One day you'll be married like me and your wife won't let you go to Florida for spring break to chase women anymore. Plus, once you're married it won't matter whether you paid .029 or .033....your wife will still take all the money you make and go shopping with the profits, lol.