zombaio you can close my account but you cannot keep MY MONEY

[SwirlsGirl]

I had already taken you guys out of the line up when you showed the world you had trouble paying people in july and still in august....so you and i were done...

However there still remains abut 350.00 bucks or so of my money that you are holding...

this is not threat...I better get paid every nickel of my money this week, or I crusade..

We both know I have lots to talk about so get my money wired today or the GFY community hears about everything...peace and blessings!

[cherrylula]

oh well.... good luck! Few years ago we saw posts like this with other processors, but it was more like 3,500 and more people were bitching about.

$350 while fun money, at least not so bad. :/

[SwirlsGirl]

its because of your fuckups and late payments that my hosting could not get paid, and now you want to close my account and take my money because of my site not being up....you are the desperate ass clowns, and I will warn others of the shady slimeball back door tactics and trick bags that you have used and you and your team of clowns will not have a defense for the truth

[porno jew]

should have paid your hosting bill.

[CaptainHowdy]

Another zombaio success story ...

[Klen]

Originally Posted by CaptainHowdy

Another zombaio success story ...

That line is reserved for webair

[Michael O]

The account is closed because your site www.saraswirls.com has been down for 48 hours, despite several notifications. Your recurring members are complaining and chargeing back. To restrict the account after 48hours is standard procedure.

We are not holding any funds, funds will be paid as normal, but we will not rebill customers until the site is up and we see that there are no chargebacks due to the site being down.
If you have any further questions please submit a ticket through ZOA.

[Sly]

How much was the hosting bill?

[journalism]

Originally Posted by Michael O

The account is closed because your site has been down for 48 hours, despite several notifications. Your recurring members are complaining and chargeing back. To restrict the account after 48hours is standard procedure.

We are not holding any funds, funds will be paid as normal, but we will not rebill customers until the site is up and we see that there are no chargebacks due to the site being down.
If you have any further questions please submit a ticket through ZOA.

From the day ePass was gone and you transfer to another company now the company you work for is getting problem again and again?

[Dirty D]

Cant afford the hosting bill for a paysite?

Let me know if you are ready to sell your site before the domain expires.

[wehateporn]

SwirlsGirl,

You should have contacted your host and asked for a few extra days, or even borrowed money to pay the hosting. Not paying the hosting when times are tough is Internet Suicide

[adultchatpay]

I hope everything will be fixed, Michael O is there. So no worries.

[epitome]

You would never reveal how many sales per day when constantly bitching about CCBill. I kept saying it must be a very small number of sales if the swings are that big. It looks like I was right if you didn't even have enough in reserves to pay for hosting.

[LeRoy]

Oh man thats terrible!

Whats the hosting bill?

[SwirlsGirl]

Originally Posted by wehateporn

SwirlsGirl,

You should have contacted your host and asked for a few extra days, or even borrowed money to pay the hosting. Not paying the hosting when times are tough is Internet Suicide

Thanks wehateporn for the advice and just for the record I did reach out to my hosting company and explain that I was waiting for payout..... then once i get paid I would pay hosting...

Well when zombaio promised me they wired my money on august 5th...I told hosting I would have them paid by august 8th or 9th once the wire got here...

The wire never came and my hosting never got paid.... We are battling not only 3rd party payment parasites and crooks, but parasitic bankers, who have sucked $2100.00 in fraudulent bank fees from several of our accounts in the past 2 months....

just fucking sucking the money right from under us so yes we are having some trouble and not being paid on time does not help when you are already behind

For the clowns that say you should not live check to check or should not be in adult... don't be so full of yourself...

its not that we have a problem making money its the pure fact of the depserate and parasitic scam artists and big banks in general who are having there way with small business... and making up rules as they go along

[TheSquealer]

Haha.

The content.

Always problems with the content.

Angry, bitter, irrational.. acting out and lashing out.

[AdultKing]

Swirlsgirl. I notice that it's always someone else's fault and never your own.

[SwirlsGirl]

Originally Posted by Michael O

The account is closed because your site www.saraswirls.com has been down for 48 hours, despite several notifications. Your recurring members are complaining and charging back. To restrict the account after 48hours is standard procedure.

We are not holding any funds, funds will be paid as normal, but we will not rebill customers until the site is up and we see that there are no chargebacks due to the site being down.
If you have any further questions please submit a ticket through ZOA.

I am not submitting tickets through zombaio asshat because YOU CLOSED MY FUCKING ACCOUNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!

SO GFY SUPPORT TICKETS WILL HAVE TO SUFFICE

Your late, delayed and non existent payouts contributed to us falling behind and not being able to make some of our financial obligations and with your late payout YOU HAVE THE FUCKING UNMITIGATED AUDACITY to close my zombaio account...you know got dam well you did not get any customer complaints

You needed an opportunity like this to seize my money...petty amount of money at that...

You know very well I am no fool and am still pissed off about your desperate and despicable actions from last month that I never made public because sometimes you have to save the nuclear option.. You know you royally fucked up last month and the community is about to know.

I don't want to damage your company as you have done a great job of that yourself...pay me every nickel you owe and we will disappear into the night with our dirty laundry...if you try and fuck me out of my money again it will not be tolerated and thats that

Once the community finds out how desperate and treacherous you really really are I will be the least of your problems....

I sincerely urge you to make sure my remaining funds leave your office of your bank today...

Period when you lose everything you have nothing else to lose...and so I will no longer edit my posts and will enlighten the community with respect to your underhanded cut throat tactics..

Be assured I have already started writing...pay me my fucking money or the chips will fall where they may...I am through playing games

I have had server interruptions from time to time over the years and never resulted in a 3rd party billing company shutting down an account and holding funds

[Joshua G]

Originally Posted by journalism

From the day ePass was gone and you transfer to another company now the company you work for is getting problem again and again?

lulz...he works in customer service. as such, every company he works for, he will deal with problems. even worse, every company in existence has customer service issues. so he is truly screwed.

[bean-aid]

swirlsgirls... at this point best to unleash the nuclear option because you have already stated they pulled shady shit, now without proof.

So gfy rules start to kick in and you have made an accusation without posting the proof. If you don't post... you may very well just get banned and nobody will ever hear what happened.

[TheDA]

Originally Posted by SwirlsGirl

I had already taken you guys out of the line up when you showed the world you had trouble paying people in july and still in august....so you and i were done...

However there still remains abut 350.00 bucks or so of my money that you are holding...

this is not threat...I better get paid every nickel of my money this week, or I crusade..

We both know I have lots to talk about so get my money wired today or the GFY community hears about everything...peace and blessings!

CCBill kicked to the kerb. Zombaio kicked to the kerb. Now where are you going to go?

[12clicks]

hahaha, the only processors this chick hasn't had a problem with are the ones she hasn't yet used.

Honey, I doubt you'll be here in 3 months but I'll sure miss the comedic relief

[Dirty D]

It only took $350 to cause the business to fail?

Contact me to sell your site before it drops out of the search engines.

[SwirlsGirl]

Originally Posted by AdultKing

Swirlsgirl. I notice that it's always someone else's fault and never your own.

You are correct its never my fault...when a company lies to the public and says they sent a wire on august 5th...when they know that was a flat out bald faced lie....

how is that my fault...they lied about payments being sent...I swore to my host I would have the payment in a few days cause zombaio swore they sent it to me...so I look like a fool with the host, and they did what they have to do...because of a liar and desperate company


but sure I will take the blame for that...sure its my fault for sending my customers to sign up with a company that has payout problems....you are right...my own dumb fault...

If I would have sent those zombaio customers to ccbill I would have at least been paid...my fault

my fault

my fault

my fault

[SwirlsGirl]

Originally Posted by Dirty D

It only took $350 to cause the business to fail?

Contact me to sell your site before it drops out of the search engines.

thanks for the offer and the humor lol I needed that chuckle....I will have to pass, business has not failed yet but the times are serious and at this point cannot make any gurantees

[Sly]

At least we're getting somewhere.

[Joshua G]

Originally Posted by SwirlsGirl

I am not submitting tickets through zombaio asshat because YOU CLOSED MY FUCKING ACCOUNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!

SO GFY SUPPORT TICKETS WILL HAVE TO SUFFICE

Your late, delayed and non existent payouts contributed to us falling behind and not being able to make some of our financial obligations and with your late payout YOU HAVE THE FUCKING UNMITIGATED AUDACITY to close my zombaio account...you know got dam well you did not get any customer complaints

You needed an opportunity like this to seize my money...petty amount of money at that...

You know very well I am no fool and am still pissed off about your desperate and despicable actions from last month that I never made public because sometimes you have to save the nuclear option.. You know you royally fucked up last month and the community is about to know.

I don't want to damage your company as you have done a great job of that yourself...pay me every nickel you owe and we will disappear into the night with our dirty laundry...if you try and fuck me out of my money again it will not be tolerated and thats that

Once the community finds out how desperate and treacherous you really really are I will be the least of your problems....

I sincerely urge you to make sure my remaining funds leave your office of your bank today...

Period when you lose everything you have nothing else to lose...and so I will no longer edit my posts and will enlighten the community with respect to your underhanded cut throat tactics..

Be assured I have already started writing...pay me my fucking money or the chips will fall where they may...I am through playing games

I have had server interruptions from time to time over the years and never resulted in a 3rd party billing company shutting down an account and holding funds

none of my business but...flaming away like this is only hurting you, not zombaio. should you need another host, processor, or maybe a designer, or traffic. they will not want to work with you. I suggest resolving this offline & asking the mods politely to delete this thread. I anticipate this advice will be ignored & likely responded to with insults & flames. Good luck.

[ottopottomouse]

Originally Posted by Dirty D

It only took $350 to cause the business to fail?

That's pretty fucking hopeless

[wehateporn]

SwirlsGirl,

I'm very sorry to hear about this.

This is a good time for a host here to get themselves some good publicity and save the day for SwirlsGirl. Some will say "but SwirlsGirl will complain about us one day", but don't worry, I doubt she will as she'll be so grateful and also as insurance you can link to this thread if ever you need to.

Good luck with getting this sorted SwirlsGirl

Originally Posted by SwirlsGirl

Thanks wehateporn for the advice and just for the record I did reach out to my hosting company and explain that I was waiting for payout..... then once i get paid I would pay hosting...

Well when zombaio promised me they wired my money on august 5th...I told hosting I would have them paid by august 8th or 9th once the wire got here...

The wire never came and my hosting never got paid.... We are battling not only 3rd party payment parasites and crooks, but parasitic bankers, who have sucked $2100.00 in fraudulent bank fees from several of our accounts in the past 2 months....

just fucking sucking the money right from under us so yes we are having some trouble and not being paid on time does not help when you are already behind

For the clowns that say you should not live check to check or should not be in adult... don't be so full of yourself...

its not that we have a problem making money its the pure fact of the depserate and parasitic scam artists and big banks in general who are having there way with small business... and making up rules as they go along

[seeandsee]

you got the answer SG...

[epitome]

Originally Posted by wehateporn

SwirlsGirl,

I'm very sorry to hear about this.

This is a good time for a host here to get themselves some good publicity and save the day for SwirlsGirl. Some will say "but SwirlsGirl will complain about us one day", but don't worry, I doubt she will as she'll be so grateful and also as insurance you can link to this thread if ever you need to.

Good luck with getting this sorted SwirlsGirl

Landmine.

Before Z it was CCBill conspiracies. Kept talking about submission % and all kinds of other stuff to explain no sales some days but would never own up to how many sales an average day had. If it were 50+ sales a day I could see there being something, but if it's less than 5-10 a day of course you can have a day with hardly any or no sales.

[Sly]

Originally Posted by wehateporn

SwirlsGirl,

I'm very sorry to hear about this.

This is a good time for a host here to get themselves some good publicity and save the day for SwirlsGirl. Some will say "but SwirlsGirl will complain about us one day", but don't worry, I doubt she will as she'll be so grateful and also as insurance you can link to this thread if ever you need to.

Good luck with getting this sorted SwirlsGirl

What good publicity is that?

[TheSquealer]

Originally Posted by Sly

What good publicity is that?

Well, surely any hosting company is reading this and thinking;

"What do we know so far? 1) she's a lunatic. 2) she can't pay her hosting bill... so the obvious question is 'How do I get into business with this person'"

[Bladewire]

I just checked Amerinoc and you can be on their server for $9.95 !

Get your hosting and business back online for $9.95 all is not lost SwirlsGirl !

[ExtremeBank_Adam]

How much is your hosting bill?

Your content seems to be good, hardcore stuff that our members would love. Why don't you turn the reigns over to someone else (me), and make a win-win for yourself... no more worrying about hosting bills, payouts, customer service, etc., and your members will retain MUCH longer because of all the content we'll give them (currently 135,000+ photos and 1400+ videos), and updates almost every single day of the year.

Just think about it...

[Intrinsic]

Wait isn't it Tuesday? When join submits drop to 0 anyways? FUCK. might as well wait until tomorrow to put your sites back up..

[96ukssob]

CCBill FTW

[The Porn Nerd]

Originally Posted by ExtremeBank_Adam

How much is your hosting bill?

Your content seems to be good, hardcore stuff that our members would love. Why don't you turn the reigns over to someone else (me), and make a win-win for yourself... no more worrying about hosting bills, payouts, customer service, etc., and your members will retain MUCH longer because of all the content we'll give them (currently 135,000+ photos and 1400+ videos), and updates almost every single day of the year.

Just think about it...

Don't do it man....save yourself.

Swirlsgirl: We have communicated offline in the past but I am choosing to say this to you publicly:

Seek help.

Hosting can cost as little as ten-twenty bucks. A smart business person has their shit backed up on several accounts in case a Host fails or has downtime. Then you simply switch the DNS and you're saved.

You complain about CCBill, Z, hosting - at this point I'm not sure what kind of business you're running. Many on here, including me, tried to help you by giving you some very basic, practical advice:

You always have the choice of discontinuing a business relationship, be it billing, hosting, whatever. You can try and work within a relationship but if it turns sour best to bail. Instead, you go apeshit on public boards.

Everyone has posted a bitch thread every now and then, me included, but ultimately, after awhile, in the end, it's YOU (the customer) who has to decide to continue or move on.

We tried to help but there you are, gone apeshit yet again. Good luck whatever happens.

[uno]

Do you do anything other than bitching about processors?

[signupdamnit]

Sorry to hear about what is happening to you Swirlsgirl. But unless Zombaio still owes you money for late payments I don't see that they are even partially at fault for this. It makes sense for them to suspend the account after 48 hours and halt rebills until it is back up. I hope you get things back up and running though. I guess sometimes these things can be a lesson for us.

[Juicy D. Links]

this chick needs some dick or a bottle of MIDOL

[SwirlsGirl]

Originally Posted by joshgirls

none of my business but...flaming away like this is only hurting you, not zombaio. should you need another host, processor, or maybe a designer, or traffic. they will not want to work with you. I suggest resolving this offline & asking the mods politely to delete this thread. I anticipate this advice will be ignored & likely responded to with insults & flames. Good luck.

What are you taling about nobody works with me anyway...lol I call out companies on the boards who do shady shit...thats the way I have always been...why stop now...

It would seem that I have no support but I get enough off board emails from everyday gfyers who encourage me to keep speaking the way I do, for what ever reasons people are scared to speak the truth...

You want to be scared of a billing company when you know 100% they are shady and telling lies... then be scared but don't ask me to be scared

there is no other place in the world but gfy where the scammers lurk...and you should be called out

CLOSE MY ACCOUNT AND BLOCK MY ADMIN BECAUSE MY SITE WENT DOWN for 2 days...

WHY BLOCK ADMIN????? What harm could I do by logging in to my admin and verifying payouts and/or chargebacks

I just want my money...truthfully it would not matter if it was 35 bucks.... I want it, its mine, so hand it over...period... parasite

[Si]

You are spending all your time bitching to people who are laughing at you, yet your sites are still down.

[SwirlsGirl]

Originally Posted by signupdamnit

Sorry to hear about what is happening to you Swirlsgirl. But unless Zombaio still owes you money for late payments I don't see that they are even partially at fault for this. It makes sense for them to suspend the account after 48 hours and halt rebills until it is back up. I hope you get things back up and running though. I guess sometimes these things can be a lesson for us.

Hey I appreciate the input from everyone here....the ones who bash me, the ones who support me, and the ones who even try to scam me....

All I am saying is that closing my account....locking me out of my admin, because of 2 days of down time.... does not make any sense...

What if I were out of town, or god forbid family emergency, and did not realize site was down for 2 days....do you just go and close an account that has been in excellent standing for 4 years with 1 fucking chargeback after thousands of sign ups?



regardless of how looney you guys say I appear...does it make sense to have an account closed because unforseen circumstances cause your hosting to go down??

This has got to be a first...but maybe when I start dropping screenshots of conversations showing chicanery,trickery fraud,lies, oh yeah at least I have screenshots from those conversations when you tried last month to shut down my account because you said master card told you I needed to take down my master card logos....LOL

remember that little stunt you pulled....we have many more details to drop but they wanted to shut down my account possibly because I am one of the few who will challenge them directly and call them out over and over again..

Oh yeah I bet you guys did not know Zombaio has their own Special Investigations unit...

Oh and I have proof that somebody in the office of zombaio is a huge fan of mine.... I think I know exactly who it is...

they say they sent an email and got no response after 2 days....welll how many people around here send zombaio emails and get no response for 3-4 days with questions about payouts.... they are hypocrites, they are depserate they tried to close our account last month and when I show you the run around and they gave us, along with the pure lies...I mean not even white lies....just big lies.... telling me I have no right to have a credit card logo on my site....they threatened to close my account and hold funds last month if we did not remove a mastercard logo!

They said mastercard informed them to tell me to take down my mastercard logos.....then I ask for the contact info of who at mastercard told them that....then they changed the story and said it was not mastercard but their abuse departments own special investigation

I said who is in charge of the abuse department they would not give me a name...they said it was located in another building, they said since I had no merchant account I had better take down the credit card logos....

Zombaio never asked if we had a merchant account they just assumed and when we told them they were in error and were misinformed and about to close a good and valid account in error...they demanded that I send them my perosnl merchant account id#, and other information that is private that I would never give to anyone much less fucking zombaio's investigation department...

I mean they are full of lies and horseshit...I have other webmasters confessing the same to me in private emails, so I am not alone with these sentiments but I am alone in expressing them...

I could lay out 7 or 8 lies huge lies that they have told in the past 60 days.... they are liars, I am sorry I would expect better I never took nothing from them, never had an issue until they started fucking up payouts as most companies I have worked with...

[Bladewire]

Doesn't the money in the Zombaio account belong to your subscribers in lieu of services rendered? If Zombaio gave you all the money in your account, who would pay for all the refunds and chargebacks coming in now, Zombaio, out of their own pocket? If I give a clean hooker $5 in lieu of pending oral service, that hooker retains those funds until services are rendered. If services are rendered with defect, or not at all, I get my money back! Unless the hooker runs off with the money then I'm shit out of luck, UNLESS, I charged the $5 on the hookers merchant account. Then when the hooker runs off without providing services I charge back the $5 and get my money back!

[SwirlsGirl]

this is pointless I don't come on here and lie about shady things nor do I make up wild accusations, everything I ever said about a company not paying is 100% fact...

How can you guys come in here and say "she's just bashing zombaio" when they are the liars and crooks...they have fucked up peoples monies, they have lost peoples confidence, they have played games and acted like mobsters, not me....

but go ahead defend them at your own peril, I have not been paid what they owe me...its having a domino effect...but I should just shut about it, and not bash precious billing company...

I see in a world or morons we surely must be governend by a system of morontacracy

Hey Swirlsgirl is not your enemy if some of you hate my posts, and hate me so be it, we don't do business anyway but no matter how many robots shills and cosigners come in here to defend the divine actions of zombaio...

I will call them exactly what they are...treacherous, deceptive, shwrewd con artists masquerading as a reputable company

don't care what you say, they are another company trying to get out of paying...thats the bottom line....

what you say about me should not and does not excuse them from not paying .....process with them and you could also end up not being paid on time or at all, and you could be threatened with bogus close down notices from imaginary investigative abuse departments,

you could be given made up bogus wire reference numbers and talking on phone with banks for days about a payout that was never sent....but defend those actions of zombaio they are honorable

[Tempest]

This stuff is hillarious.. First she bashes ccbill over and over.. Loses her account... People predict she'll next start bashing zombio... and low and behold it's all she's been doing lately.. Gets ccbill back and shuts up about them... Wonder what which one will be next... LOL

[TheSquealer]

Originally Posted by Tempest

This stuff is hillarious.. First she bashes ccbill over and over.. Loses her account... People predict she'll next start bashing zombio... and low and behold it's all she's been doing lately.. Gets ccbill back and shuts up about them... Wonder what which one will be next... LOL

Its kinda sad. Obviously she has some severe personality disorder - and its clearly affecting her life, her ability to conduct business and succeed.

[Deputy Chief Command]

Originally Posted by SwirlsGirl

...we have many more details to drop but they wanted to shut down my account possibly because I am one of the few who will challenge them directly and call them out over and over again..
..

well, it is not like you are fun to do business with ? now are you ? I have no dealings with Zombaiao .. so I can't really say too much about them..

but , .. I do know about you and your attitude .. and right now it seems all of this clusterfuck is at least partially your fault

your site is down = people chargeback , so Zombaiao closes off your account to prevent further losses , makes sense to me

you yourself admitted that the $ amount is only about $350 , so not a huge amount .. and most likely not an amount that any billing company would want to fuck you over on

most likely the problem lies somewhat with you ? because really ? your sites are down because some company did not pay you $350 ? thats just pathetic ..

if you are serious about your sites you should at least pay hosting in full for a year in advance .. that way you don't have to worry too much .. maybe one month the bill is a bit more because of a surge in traffic, but that wont matter as you have paid in full and thus have enough credit with the host that they wont just shut down your site ...

if you are really that broke that you can't afford a hosting bill that probably is smaller than $350 , .. how do you feed yourself? a pizza costs $20 ? can you afford one ?

[SwirlsGirl]

Originally Posted by MisterPeabody

Don't do it man....save yourself.

Swirlsgirl: We have communicated offline in the past but I am choosing to say this to you publicly:

Seek help.

Hosting can cost as little as ten-twenty bucks. A smart business person has their shit backed up on several accounts in case a Host fails or has downtime. Then you simply switch the DNS and you're saved.

You complain about CCBill, Z, hosting - at this point I'm not sure what kind of business you're running. Many on here, including me, tried to help you by giving you some very basic, practical advice:

You always have the choice of discontinuing a business relationship, be it billing, hosting, whatever. You can try and work within a relationship but if it turns sour best to bail. Instead, you go apeshit on public boards.

Everyone has posted a bitch thread every now and then, me included, but ultimately, after awhile, in the end, it's YOU (the customer) who has to decide to continue or move on.

We tried to help but there you are, gone apeshit yet again. Good luck whatever happens.

I hear ya peabody good luck on your new campaign and relaunch looks good, and thanks for taking time out of your busy schedule to try to help.

I hear what you are saying, I am sorry I am not better prepared for business hiccups, and I am sorry I don't have a 9.95 a month hosting deal...I have been paying 90 to 100 bucks a month for hosting.

I am sorry for not having the ability to flip dns switches never thought of that...you sound like you got all bases covered. I wish we had our shit together like you, but not getting paid does have a way of pissing one off and making them come to the boards for some accountability.

If me coming to the boards and telling my side makes me a lunatic, drama queen, psycho, schizo...you know all the names you guys hurl to make yourselves feel better about yoursleves...so be it....

why not take those same insults and hurl them directly at the companies who default, delay, and lie about payouts....wouldn't that make more sense if we all spoke up and called them names?????

I guess in my world it makes sense to call the thief/fraudsster a name but in the world of some of you guys, its better to call the victim names, and pile on top of victim with mob mentality....

silly me for thinking it was still fucked up and cruddy to fuck with peoples money...I suppose its now permissable excuseable, and routine because now the bastards see how we treat one another...there is no unity, or loyalty in adult even when it comes down to being paid.....

its ashame we have got to this point... oh well its her fault she was not paid...shes a crack whore, shes retarded, all she does is bitch about not being paid.....guess what..... we have not been paid.....

if anything at this point my posts and rants have been validated and clearly demonstrate why you have to watch all of these companies holding your money like a hawk