1. This is absolutely legal. If you offer something for download it is the same if someone uses Netscape or IE to get it or an offline browser. It's as simple as that. They cannot get into a password protected area unless that site is joined first. Then the download is as legal as before. If you offer pictures and forbit the download of the surfer and think that would work you are deluted.
2. Those programms are around for ages and they are working fine. You can set referer addresses and mask yourself as coming in with IE or other browsers.
3. There is a simple way to prevent those progs to leach your members section. Call the links thru a cgi script. This will work for the 99% of offline browser users. There is a way to even bypass cgi and form linking but I will not disclose that here to give people the idea.
4. This won't be successful because it is to expensive. Noone who wants free porn pays 150 bucks.
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