I am surprised that people even get attracted to this website. It is common sense. You don't need to know a lot of math to figure out how this site works. I won't waste time explaining because other reviewers have already done that. But I will say one thing to those idiots (And Yes, IDIOTS.) that ANYTHING THAT SOUNDS TOO GOOD TO BE TRUE, IS NOT TRUE! Print this and keep it in your wallet so that every time you open it, you will see this print and won't spend unnecessarily.