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hey gay I want to talk to you about our money-back guarantee if we allow you to become a client and I say that because we dont allow everyone to become a client we are pretty confident that youre going to overcome the first hurdle of using the strategy which is getting a home equity line of credit and typically thats the easiest hurdle to overcome so if you become a client our guarantee covers the education and the math what it does not cover is your approval for getting a home equity line of credit because heres what weve come across in the past believe it or not true story Ive actually had a client who had a bus and built a cabin around their bus well what did the appraisal come back as didnt come back as a single-family residence it came back as a bus a school bus so we cant guarantee that we cant guarantee that youre not going to quit your job we cant guarantee that youre going to go get credit cards or buy a car we dont appraise your home we dont process your loan an