Dwudman: You are correct on the 15 pds (28US) per month for e-learning as per March 11 Prnewswire PR from Medify. It states that each client contract is for a period of 24 months duration. It can be reviewed at: <A HREF="http://www.insurancenewsnet.com/article.asp?n=1&lnid=264124818" target="_blank">http://www.insurancenewsnet.com/article.asp?n=1&lnid=264124818</A> This stock should be going up....not down!