This advisor is very expensive, $9.99 per minute. In public chat, I told him, your rate is high; he offered credits. I accepted because wanted to try this advisor to find out how good he is. He was able to connect and pick up things that apply to me. I asked my questions and her tried to divert by answering back with a question to start a conversation. Be careful, as you're paying so much, remain focused on your questions and not small talk with this advisor. He kept writing "see how good I am." He wasn't that great. He couldn't pick up the person in question. As a matter of fact he started to tell me about an ex. Do not reccomend this advisor. Also, will try to flirt and sweet talk female customers.