not that i'm going for this newest paul idea yet (much to consider), but your post will no doubt prove to be one of the most important of the day for newbies. I've been with pbls for years now, and though i never opted for certs, i do know someone personally who was paid in full as well- company promise kept. Frankly, during those times of my lowest confidence in pbls, that action kept me believing- allowing me to sleep at night owning so much in a penny.
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