A. Payments of commissions will be spread out over the 18 month process.  25% of the fees are paid out over the first 4 months (Phase 1) and 75% of the fees are paid out over months 5-18.  If the client drafts from the 1st through the 15th, then affiliate is paid on the 25th of that month.  If the client drafts between the 16th through the 31st, then affiliate is paid on the 10th of the following month.  Funds may take up to 4 business days to reflect in accounts.  This is a residual play, and it is a volume based business.  We only charge 10% of the total debt enrolled, and do this to keep a competitive advantage and deliver the best service for the lowest price.