laurence,
some of us knows it only too very well.
the high morale, super over confident, lasts a while only.
i've seen it all before in real life.
looking at how gullible all these ppl are,
(i remember one is NUS undergrad just pay $14000 without any doubt
or consideration to sign up).
sometimes i wished i was an MLM company
director.
i would have absolutely no hesitation to cheat and wipe out ALL
their bank accounts, credit cards, CPF account, assets,properties,
shares, even their parents' or relatives'
accounts..........EVERYTHING!!!!