FM - I agree... I do believe that a free trial that is properly disclosed and no 'games' are played can keep chargebacks under 1%
For those of us who have been infected with other issues we have to play the 'percentages' ...
The biggest problem I have with free trials is we continually teach our customer base that there is something for nothing. I hope to all hell you don't give your free trial members access to all your goodies and at least wait to unlock the really good stuff until they pay
