Those referrals membership or Banks n Hotels one are the most
jiatlat. They always call u up , say wanna discuss , through buffet
etc etc..
Then they send their kaki come sale their product. Normally after i
hear quite a bit , i tell them cut straight to the point.. How much
, and what is it in for me. Then when u say no.. they will walk
away.. n like recently their assistant director comes over.. sits
down n instantly i know THIS one is pro.. 
But since also she quite high rank , then comes the bargaining.
When u know they want u , u can squeeze them. N start to negotiate
a better deal lo.
But in the end really no is no ah. They cant force u to.
