Wished I checked around before making the payment. ZACKS Investment Research is a dishonest website. I paid for an online course and the userid and password they provided did not work and they did not send me the book that was supposed to come with the course! Tried so many times to contact them via emails to resolve the issues and there were no replies. However, I keep getting product emails from them but my genuine problem... totally ignored! Don't believe any $1 offer or any sort... once they take your money, it will be hard to get it back! Beware!