i disagree about the colege kids, just the three we have here on the board occassionly are not in college.
i have talked on the phone with 3 more and they were not in college. 28 to 54 yrs old
i believe it was over pricing on the initial launch and thats the biggest reason it catch on. c'mon, 10 grand a month for (i know to geico or simiar thats cheap) is a heck of a lot of money.