Yes Jon I think thats a fair summing up. Unfortunately the people in the lines become either a victim or worse they become part of it. When my brother was approached it was an old friend that did it and when my bro' suseqently saw the light and dropped out he lost that friendship because his 'friend' stood to lose an income because of it . That's they way it goes. Hope your folks take the right decision. As to get rich quick schemes don't seem to have any about me at present but if I find one I'll let you know. I was interested in the fact that yiour dad made appalachian dulcimers. Has he thought of trying to make this more revenue productive? Maybe if he made a stock up and costed them properly and tried to set up either a realtionship with some music shops or touted them round the festivals he might be able to generate some income. Develop his own web site for marketing?????