I think I have tried over two dozen programs.  I can recruit referrals but you cannot make them participate or invest in the programs. I have given up on the whole idea!   I am now doing "paid to advertise" programs.   With these type of programs, you purchase advertising packages and make a return on the amount you buy.   You don't really need referrals although I still recruit and am actually doing better with this type of program!   Wishing Everyone Success, Ruth Plant   http://easysplashbuilder.net/83902/