I paid the $97 and now its time to take advantage of his money back guarantee.

Its only the Charter One system he knows - he is not an exceptional writer - all the info included I know (and I even know the charter one system better than he does - free way verses small cost).... $97 for something he probably wrote in two hours!

Apparently the Amex "Business Platinum" card works for Charter One...that's the only thing he knows I didn't. He fails to mention the $300 annual fee! (And you can't get it as a personal card!)