Sky, I first got involved with TWI over 40 years ago. All the points you mentioned, happened to thousands of us, decades ago. Same Bulls--t, just a different day. I feel for those people who will work for TWI, at minimum pay. I officially retired in January, of 2020. Those monthly SS Checks, combined with my VA Stipend, are wonderful. For the first time in my life, I am financially stable. I fear those people who depend on TWI for a living, will have a hard time after they retire.