BTW... Here's a sampling of the quality/morals of the human trash behind and involved with iBill/Intercept/IBD/PHSL associations
http://www.ripoffreport.com/reports/ripoff46818.htm
Also... for any webmasters who took "advantage" of gkards - don't trust them with one dime, not because this is just another Galanis/Molina enterprise, - but there are other connections which don't look healthy for your finances.