Del Dotto Enterprises, Inc

Text (OCR of the scan at left; may contain errors)

IN THE MATTER OF DEL DOTTO ENTERPRISES, INC., ET AL.

CONSENT ORDER, ETC., INREGARD TO ALLEGED VIOLATION OF SEC. 5 OF THE FEDERAL TRADE COMMISSION ACT Docket 9257. Complaint, April 19, 1993--Decision, April 21, 1994 This consent order prohibits, among other things, a California-based corporation and its officers from making false claims regarding real estate, credit, investments, or business opportunities in the future. In addition, the order prohibits the respondents from misrepresenting that any endorsement for a product or service represents the typical or ordinary experience of previous users, and from representing that any advertisement is not paid advertising. Appearances For the Commission: Chris M. Couillou, Andrea L. Foster and Paul Davis.

For the respondents: George Miron, Feith & Zell, Washington, D.C.

COMPLAINT The Federal Trade Commission, having reason to believe that Del Dotto Enterprises, Inc., a corporation, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of said corporation ("respondents"), have violated the provisions of the Federal Trade Commission Act, and it appearing to the Commission that a proceeding by it in respect thereof would be in the public interest, alleges:

PARAGRAPH 1. Respondent Del Dotto Enterprises, Inc., ("DDE") is a California corporation whose office and principal place of business is located at 1500 J Street, Modesto, California. Respondent David Del Dotto is president and a shareholder of DDE. Individually or in concert with others, David Del Dotto has formulated, directed, controlled, and/or participated in the business activities, policies, acts, and practices of DDE. Respondent Yolanda Del Dotto is secretary and a shareholder of DDE. Individually or in concert with others, Yolanda Del Dotto has DEL DOTTO ENTERPRISES, INC., ET AL. 447 446 Complaint formulated, directed, controlled, and/or participated in the business activities, policies, acts, and practices of DDE. PAR. 2. Respondents have advertised, offered for sale, sold, and distributed products and services, including, but not limited to, a set of books and audio cassette tapes, collectively known as the Cash4 1 3 2 4 0 577 884 1336 50 -1 5 1 3 2 4 1 577 889 98 35 96.662476 Flows 1 3 2 4 2 688 888 169 46 94.928543 System, and computer hardware and software. These products and services were promoted by various means, including, but not limited to, through program length advertisements and at seminar presentations held at public facilities in various locations in the United States. The Cash Flow System includes information about purchasing real estate and obtaining credit. PAR. 3. The acts and practices of respondents alleged in this complaint have been in or affecting commerce, as commerce is defined in Section 4 of the Federal Trade Commission Act. PAR. 4. Respondents have disseminated or have caused to be disseminated program length advertisements for the Cash Flow System. These advertisements have included, but are not limited to, programs with the following titles: Financial Freedom and Wealth Building in America Today (Part VI) [hereinafter Financial5 1 3 4 5 9 1741 1643 170 34 96.676315 Freedom4 1 3 4 6 0 574 1700 1336 46 -1 5 1 3 4 6 1 574 1702 98 42 51.674133 VI]; Financial Freedom and Wealth Building in America Today (Part V) [hereinafter Financial5 1 3 4 7 5 1190 1761 172 34 93.280495 Freedom5 1 3 4 7 6 1376 1760 72 42 84.410568 V,];5 1 3 4 7 7 1464 1759 178 35 96.534142 Financial5 1 3 4 7 8 1656 1759 173 35 96.167862 Freedom5 1 3 4 7 9 1843 1758 67 36 96.101501 anda 1 3 4 8 0 572 1816 1338 47 -1 5 1 3 4 8 1 572 1818 141 35 96.961327 Wealth5 1 3 4 8 2 727 1818 169 45 95.651749 Buildings 1 3 4 8 3 910 1818 36 34 95.651749 in5 1 3 4 8 4 960 1818 167 34 96.582306 Americas 1 3 4 8 5 1140 1818 124 45 96.391663 Today5 1 3 4 8 6 1280 1818 93 42 96.509247 (Parts 1 3 4 8 7 1387 1818 65 42 96.853172 IV)5 1 3 4 8 8 1470 1817 226 42 90.295670 [hereinafter5 1 3 4 8 9 1711 1816 199 35 95.706337 Financial Freedom IV"]; How To Make Nothing But Money; Financial Freedom and Wealth Building in America Today (Part II) {hereinafter Financial5 1 3 4 11 3 1048 1992 175 35 92.443993 Freedom5 1 3 4 11 4 1244 1992 81 43 85.264336 II]; and Financial Freedom and Wealth Building in America Today [hereinafter Financial4 1 3 4 13 0 572 2108 1337 44 -1 5 1 3 4 13 1 572 2109 219 43 45.846443 Freedom]. These advertisements contain the following statements, among others:

A. Volumes 1 4 1 1 3 875 2277 18 49 96.890396 85 1 4 1 1 4 920 2283 25 31 96.875549 is5 1 4 1 1 5 962 2283 48 30 96.632347 thes 1 4 1 1 6 1027 2289 196 33 96.430260 governments 1 4 1 1 7 1240 2283 68 30 96.093460 loans 1 4 1 1 8 1326 2283 89 34 96.850670 book,5 1 4 1 1 9 1434 2282 98 30 96.888680 which5 1 4 1 1 10 1551 2282 119 30 96.570976 teaches5 1 4 1 1 11 1687 2291 59 29 96.580139 you5 1 4 1 1 12 1765 2281 37 30 95.741676 all5 1 4 1 1 13 1822 2281 89 30 96.700043 about4 1 4 1 2 0 572 2332 1340 40 -1 5 1 4 1 2 1 572 2340 190 32 95.928932 governments 1 4 1 2 2 774 2334 90 34 96.710869 loans,5 1 4 1 2 3 876 2334 68 29 96.851952 how5 1 4 1 2 4 955 2340 29 22 96.851952 to5 1 4 1 2 5 995 2339 48 32 96.549324 gets 1 4 1 2 6 1054 2334 82 28 96.549324 loans5 1 4 1 2 7 1147 2333 47 30 95.308594 for5 1 4 1 2 8 1204 2343 31 19 95.308594 as5 1 4 1 2 9 1248 2334 71 28 95.958725 little5 1 4 1 2 10 1330 2343 31 19 95.958725 as5 1 4 1 2 11 1374 2333 50 29 96.891006 3%5 1 4 1 2 12 1438 2333 124 33 96.424362 interest,5 1 4 1 2 13 1574 2333 67 28 96.919945 how5 1 4 1 2 14 1654 2341 55 29 96.875015 any5 1 4 1 2 15 1721 2332 191 29 96.255219 homeowner4 1 4 1 3 0 572 2382 1338 40 -1 5 1 4 1 3 1 572 2392 54 21 96.235245 cans 1 4 1 3 2 645 2392 38 30 89.098953 go5 1 4 1 3 3 715 2389 61 29 89.098953 out,5 1 4 1 3 4 793 2383 58 30 96.889854 ands 1 4 1 3 5 869 2383 201 38 96.320778 immediately5 1 4 1 3 6 1088 2389 49 32 96.801422 gets 1 4 1 3 7 1154 2392 16 20 96.688644 a5 1 4 1 3 8 1188 2383 68 30 96.484337 loans 1 4 1 3 9 1274 2383 47 30 95.867905 for5 1 4 1 3 10 1337 2382 141 34 96.757797 $17,500,5 1 4 1 3 11 1497 2382 58 29 96.663017 ands 1 4 1 3 12 1572 2382 152 29 96.682091 countless5 1 4 1 3 13 1741 2390 83 20 96.786705 more5 1 4 1 3 14 1842 2382 68 28 96.783707 loan4 1 4 1 4 0 572 2431 1337 41 -1 5 1 4 1 4 1 572 2442 148 30 96.360779 programs5 1 4 1 4 2 732 2433 59 30 96.767410 that5 1 4 1 4 3 802 2442 47 21 96.767410 ares 1 4 1 4 4 861 2433 142 29 96.853622 available5 1 4 1 4 5 1015 2439 29 23 96.565933 to5 1 4 1 4 6 1055 2442 58 28 96.565933 you5 1 4 1 4 7 1125 2433 74 37 96.253235 rights 1 4 1 4 8 1211 2433 93 29 69.149963 now. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom IJ, and Financial Freedom] B. How5 1 4 2 1 3 820 2583 139 38 95.877518 anybody5 1 4 2 1 4 974 2582 69 29 96.203827 who5 1 4 2 1 5 1056 2591 85 20 94.827644 owns5 1 4 2 1 6 1156 2591 17 20 94.788712 a5 1 4 2 1 7 1187 2582 90 29 94.788712 homes 1 4 2 1 8 1291 2591 55 20 96.959412 cans 1 4 2 1 9 1362 2587 48 33 96.798439 gets 1 4 2 1 10 1424 2590 17 21 95.820221 a5 1 4 2 1 11 1455 2581 68 30 95.820221 loans 1 4 2 1 12 1538 2581 48 30 96.924202 for5 1 4 2 1 13 1600 2579 161 36 96.364662 $17,500! [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom II, and Financial Freedom] C. In5 1 4 3 1 3 788 2732 131 29 96.071617 Volumes 1 4 3 1 4 940 2732 27 33 96.739609 8,5 1 4 3 1 5 988 2731 57 30 96.672218 this5 1 4 3 1 6 1066 2732 24 29 96.854454 is5 1 4 3 1 7 1111 2740 57 21 96.728500 ones 1 4 3 1 8 1189 2731 35 30 96.471016 of5 1 4 3 1 9 1241 2740 51 29 96.977455 my5 1 4 3 1 10 1312 2731 127 30 96.600182 favorite5 1 4 3 1 11 1458 2731 107 33 96.749451 books,5 1 4 3 1 12 1586 2731 128 28 96.444939 because5 1 4 3 1 13 1736 2729 57 29 96.957588 this5 1 4 3 1 14 1814 2729 25 29 96.694366 is5 1 4 3 1 15 1859 2738 51 28 97.021393 my4 1 4 3 2 0 572 2779 1338 40 -1 5 1 4 3 2 1 572 2788 193 31 96.673355 governments 1 4 3 2 2 777 2782 68 29 96.394463 loans 1 4 3 2 3 858 2781 89 29 96.155243 book.5 1 4 3 2 4 971 2782 24 28 96.844635 It5 1 4 3 2 5 1007 2781 61 29 95.757889 will5 1 4 3 2 6 1081 2781 85 29 96.954315 teach5 1 4 3 2 7 1178 2790 59 28 96.967979 you5 1 4 3 2 8 1251 2781 39 29 96.817780 all5 1 4 3 2 9 1303 2782 90 28 96.107559 about5 1 4 3 2 10 1405 2780 69 29 96.653702 how5 1 4 3 2 11 1487 2785 30 24 96.374283 to5 1 4 3 2 12 1529 2785 48 33 96.262047 gets 1 4 3 2 13 1591 2780 84 29 96.262047 loans5 1 4 3 2 14 1688 2779 48 29 96.876053 for5 1 4 3 2 15 1747 2788 31 20 96.678749 as5 1 4 3 2 16 1792 2779 73 29 96.884857 little5 1 4 3 2 17 1879 2787 31 20 96.987045 as4 1 4 3 3 0 576 2828 1334 41 -1 5 1 4 3 3 1 576 2832 47 28 96.733963 1%5 1 4 3 3 2 639 2837 30 23 96.921120 to5 1 4 3 3 3 684 2832 51 28 96.949074 3%5 1 4 3 3 4 751 2831 130 33 96.675819 interest;5 1 4 3 3 5 896 2831 57 29 96.838554 ands 1 4 3 3 6 968 2831 97 29 97.009285 where5 1 4 3 3 7 1079 2836 30 24 97.009285 to5 1 4 3 3 8 1123 2839 39 30 96.962875 go5 1 4 3 3 9 1176 2836 30 23 96.950607 to5 1 4 3 3 10 1220 2831 49 28 96.614151 thes 1 4 3 3 11 1283 2835 195 34 96.799301 governments 1 4 3 3 12 1492 2835 30 23 97.011086 to5 1 4 3 3 13 1536 2834 49 33 96.725586 gets 1 4 3 3 14 1599 2830 64 27 60.706123 ‘em.5 1 4 3 3 15 1691 2828 69 29 96.958672 Ands 1 4 3 3 16 1774 2833 52 24 94.783073 not5 1 4 3 3 17 1839 2828 71 38 96.671387 only4 1 4 3 4 0 572 2878 1339 42 -1 5 1 4 3 4 1 572 2882 68 34 96.510948 that,5 1 4 3 4 2 652 2882 68 29 96.510948 how5 1 4 3 4 3 733 2882 99 29 96.995079 would5 1 4 3 4 4 843 2890 59 30 96.941490 you5 1 4 3 4 5 914 2881 59 30 96.918404 likes 1 4 3 4 6 984 2887 30 23 96.918404 to5 1 4 3 4 7 1025 2881 75 29 96.900993 have5 1 4 3 4 8 1112 2890 16 20 95.085732 a5 1 4 3 4 9 1140 2881 68 29 95.085732 loans 1 4 3 4 10 1219 2881 47 29 96.735519 for5 1 4 3 4 11 1277 2879 131 35 96.808350 $17,5005 1 4 3 4 12 1419 2885 30 23 96.999985 to5 1 4 3 4 13 1461 2880 130 37 96.940804 upgrades 1 4 3 4 14 1602 2887 74 30 97.003471 yours 1 4 3 4 15 1686 2879 104 32 96.776680 house,5 1 4 3 4 16 1803 2878 58 28 96.776680 ands 1 4 3 4 17 1871 2878 40 28 96.512314 do Complaint 117 F.T.C.

the work yourself and actually put money into your pocket. This volume will show you how to do that." [Quoted from Financial Freedom II] D. Volumes 1 3 2 1 3 907 679 16 30 95.724777 35 1 3 2 1 4 937 679 25 30 95.724777 is5 1 3 2 1 5 975 688 57 21 96.388748 ones 1 3 2 1 6 1045 679 35 30 96.975868 of5 1 3 2 1 7 1090 689 49 29 96.463417 my5 1 3 2 1 8 1152 680 126 30 96.993912 favorite5 1 3 2 1 9 1291 689 130 21 96.852348 courses.5 1 3 2 1 10 1446 681 71 29 96.846565 This5 1 3 2 1 11 1531 681 24 29 96.846565 is5 1 3 2 1 12 1569 681 48 29 96.457199 thes 1 3 2 1 13 1630 681 91 30 96.963829 credits 1 3 2 1 14 1734 691 115 21 96.501938 course.5 1 3 2 1 15 1873 683 79 29 97.014648 Now4 1 3 2 2 0 613 728 1339 43 -1 5 1 3 2 2 1 613 728 79 30 96.791641 what5 1 3 2 2 2 709 728 11 30 95.941841 I5 1 3 2 2 3 737 728 86 30 95.941841 teach5 1 3 2 2 4 841 738 59 29 97.004341 you5 1 3 2 2 5 918 729 28 29 96.934479 in5 1 3 2 2 6 964 729 57 30 96.990379 this5 1 3 2 2 7 1038 729 80 30 97.019638 books 1 3 2 2 8 1136 729 24 30 96.993759 is5 1 3 2 2 9 1178 730 11 29 96.631477 I5 1 3 2 2 10 1207 730 84 30 96.444145 teach5 1 3 2 2 11 1308 739 59 30 96.990623 you5 1 3 2 2 12 1385 731 69 29 96.960159 how5 1 3 2 2 13 1472 736 30 25 96.353371 to5 1 3 2 2 14 1519 737 49 33 96.836296 gets 1 3 2 2 15 1584 732 81 38 96.460709 goods 1 3 2 2 16 1681 732 101 29 96.109604 credit.5 1 3 2 2 17 1816 733 47 28 91.333992 It's5 1 3 2 2 18 1881 741 71 30 96.951057 very4 1 3 2 3 0 612 778 1341 42 -1 5 1 3 2 3 1 612 778 164 39 96.417885 important:5 1 3 2 3 2 790 779 67 30 97.000710 how5 1 3 2 3 3 869 784 30 25 96.785187 to5 1 3 2 3 4 910 780 79 29 96.460594 clears 1 3 2 3 5 998 788 39 30 96.460594 up5 1 3 2 3 6 1048 788 74 30 96.359009 yours 1 3 2 3 7 1132 780 136 38 96.573906 negatives 1 3 2 3 8 1279 781 91 29 96.683769 credits 1 3 2 3 9 1381 781 57 29 96.835915 ands 1 3 2 3 10 1450 782 68 28 96.949608 how5 1 3 2 3 11 1530 787 30 24 93.222412 to5 1 3 2 3 12 1571 788 204 32 91.389160 co-mortgages 1 3 2 3 13 1787 783 70 29 97.000977 with5 1 3 2 3 14 1869 783 84 29 96.734970 other4 1 3 2 4 0 610 829 1342 40 -1 5 1 3 2 4 1 610 829 115 38 96.657440 people.5 1 3 2 4 2 746 829 59 29 96.784073 Not5 1 3 2 4 3 816 829 69 38 96.560120 only5 1 3 2 4 4 897 830 66 33 96.165482 that,5 1 3 2 4 5 976 830 20 29 95.464561 it5 1 3 2 4 6 1007 830 63 29 95.464561 also5 1 3 2 4 7 1080 830 131 30 96.893562 contains5 1 3 2 4 8 1224 830 67 30 97.013199 how5 1 3 2 4 9 1303 836 29 24 96.769440 to5 1 3 2 4 10 1343 837 48 32 96.978363 gets 1 3 2 4 11 1402 840 72 21 96.724060 overs 1 3 2 4 12 1484 830 150 36 96.813446 $100,0005 1 3 2 4 13 1645 832 35 30 97.018791 of5 1 3 2 4 14 1688 833 162 29 96.277077 unsecured5 1 3 2 4 15 1861 833 91 30 96.995949 credit4 1 3 2 5 0 610 878 1341 40 -1 5 1 3 2 5 1 610 878 47 30 96.937080 for5 1 3 2 5 2 667 878 37 30 93.716125 all5 1 3 2 5 3 716 878 36 30 96.978539 of5 1 3 2 5 4 759 887 58 29 96.856567 you5 1 3 2 5 5 829 884 51 25 95.669952 outs 1 3 2 5 6 890 879 79 30 95.669952 there5 1 3 2 5 7 980 880 60 29 96.841454 that5 1 3 2 5 8 1051 880 75 29 96.964539 needs 1 3 2 5 9 1136 880 91 29 96.325264 credits 1 3 2 5 10 1238 881 109 29 87.454308 cards. [Quoted from Financial Freedom VI and How to Make Nothing But Money] E. Volumes 1 3 3 1 3 887 975 17 49 95.552986 35 1 3 3 1 4 928 979 24 29 95.552986 is5 1 3 3 1 5 964 980 48 28 96.710930 thes 1 3 3 1 6 1024 979 91 29 96.836288 credits 1 3 3 1 7 1126 989 104 20 96.561462 courses 1 3 3 1 8 1242 980 61 29 96.561462 that5 1 3 3 1 9 1315 980 61 29 96.326157 will5 1 3 3 1 10 1390 981 85 29 96.139427 teach5 1 3 3 1 11 1488 990 59 29 96.299728 you5 1 3 3 1 12 1560 981 69 30 96.299728 how5 1 3 3 1 13 1642 987 30 24 96.876007 to5 1 3 3 1 14 1684 982 115 38 97.007523 qualify5 1 3 3 1 15 1812 982 47 30 97.006126 for5 1 3 3 1 16 1871 983 79 29 96.437714 bank4 1 3 3 2 0 610 1028 1339 42 -1 5 1 3 3 2 1 610 1028 91 35 96.883263 loans,5 1 3 3 2 2 712 1028 67 30 96.899826 how5 1 3 3 2 3 791 1034 30 24 97.009277 to5 1 3 3 2 4 832 1028 137 31 96.761826 establish5 1 3 3 2 5 981 1029 78 38 96.898804 goods 1 3 3 2 6 1070 1028 99 36 96.849091 credit,5 1 3 3 2 7 1180 1029 68 30 96.608185 how5 1 3 3 2 8 1260 1035 29 24 93.221550 to5 1 3 3 2 9 1299 1036 203 32 92.970184 co-mortgages 1 3 3 2 10 1513 1031 70 29 96.957359 with5 1 3 3 2 11 1594 1031 82 30 96.982521 others 1 3 3 2 12 1686 1032 114 38 96.981438 people,5 1 3 3 2 13 1813 1032 57 30 96.516502 ands 1 3 3 2 14 1881 1032 68 30 96.516502 how4 1 3 3 3 0 609 1077 1340 39 -1 5 1 3 3 3 1 609 1083 30 24 96.878296 to5 1 3 3 3 2 651 1078 87 38 95.625336 apply5 1 3 3 3 3 751 1078 46 29 97.005531 for5 1 3 3 3 4 808 1088 72 20 96.550156 overs 1 3 3 3 5 890 1077 150 36 96.551399 $100,0005 1 3 3 3 6 1052 1079 36 30 96.922585 of5 1 3 3 3 7 1097 1080 163 29 96.380501 unsecured5 1 3 3 3 8 1271 1080 116 30 94.733398 credit. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Morey, Financial Freedom II, and Financial Freedom] F. You're5 1 3 4 1 3 887 1229 92 37 96.814873 going5 1 3 4 1 4 995 1235 30 24 95.975784 to5 1 3 4 1 5 1041 1229 117 30 95.975784 receives 1 3 4 1 6 1175 1229 49 30 93.228264 thes 1 3 4 1 7 1241 1229 146 30 89.309372 'National5 1 3 4 1 8 1405 1230 193 30 96.865273 Foreclosure5 1 3 4 1 9 1615 1231 142 29 96.331924 Networks 1 3 4 1 10 1774 1231 174 29 96.506050 Wholesale4 1 3 4 2 0 608 1277 1340 38 -1 5 1 3 4 2 1 608 1277 123 38 96.123634 Buyer's5 1 3 4 2 2 748 1277 116 30 55.363266 Guide.’5 1 3 4 2 3 895 1278 71 30 96.230652 This5 1 3 4 2 4 983 1278 122 30 96.660156 booklets 1 3 4 2 5 1121 1279 135 29 96.660156 contains5 1 3 4 2 6 1274 1279 170 29 95.896492 invaluable5 1 3 4 2 7 1462 1280 192 29 96.638962 information5 1 3 4 2 8 1670 1289 39 20 96.583290 on5 1 3 4 2 9 1726 1289 73 20 96.583290 overs 1 3 4 2 10 1819 1281 129 33 96.485008 100,0004 1 3 4 3 0 607 1327 1341 40 -1 5 1 3 4 3 1 607 1327 174 29 96.913933 discounted5 1 3 4 3 2 794 1327 179 30 96.693161 foreclosure5 1 3 4 3 3 986 1328 135 29 96.152718 vacations 1 3 4 3 4 1134 1328 158 30 96.586678 timeshare5 1 3 4 3 5 1304 1329 174 38 96.754402 properties,5 1 3 4 3 6 1491 1338 73 21 96.325302 overs 1 3 4 3 7 1580 1329 106 34 96.650970 16,0005 1 3 4 3 8 1699 1331 163 28 96.948227 resolutions 1 3 4 3 9 1875 1336 73 24 96.530960 trust4 1 3 4 4 0 607 1377 1339 40 -1 5 1 3 4 4 1 607 1377 200 30 96.215492 foreclosures5 1 3 4 4 2 827 1378 179 38 96.496323 throughout5 1 3 4 4 3 1024 1378 49 29 96.947235 thes 1 3 4 4 4 1093 1378 109 34 96.485268 nation,5 1 3 4 4 5 1222 1388 73 20 96.927521 overs 1 3 4 4 6 1313 1379 90 33 96.449356 3,0005 1 3 4 4 7 1423 1384 48 24 96.395821 tax5 1 3 4 4 8 1492 1380 61 29 96.395821 sales 1 3 4 4 9 1573 1380 162 37 96.787804 properties5 1 3 4 4 10 1756 1380 59 30 96.448517 that5 1 3 4 4 11 1834 1389 55 21 96.448517 cans 1 3 4 4 12 1909 1381 37 29 96.319969 be4 1 3 4 5 0 607 1427 1339 41 -1 5 1 3 4 5 1 607 1428 160 38 96.829788 purchased5 1 3 4 5 2 778 1428 46 29 96.032448 for5 1 3 4 5 3 834 1428 90 29 96.596077 under5 1 3 4 5 4 934 1427 106 35 96.346695 $1000,5 1 3 4 5 5 1053 1428 56 30 96.993690 ands 1 3 4 5 6 1120 1428 145 30 96.431244 hundreds5 1 3 4 5 7 1276 1428 35 30 93.216293 of5 1 3 4 5 8 1318 1429 76 29 92.442039 V.A.5 1 3 4 5 9 1406 1429 104 29 96.929550 homes5 1 3 4 5 10 1522 1430 58 29 96.915977 that5 1 3 4 5 11 1591 1439 53 20 96.915977 cans 1 3 4 5 12 1656 1430 36 29 96.904427 be5 1 3 4 5 13 1703 1431 162 37 96.865707 purchased5 1 3 4 5 14 1877 1431 69 29 96.821945 with4 1 3 4 6 0 607 1476 811 39 -1 5 1 3 4 6 1 607 1478 70 37 96.421432 only5 1 3 4 6 2 690 1476 106 32 92.191391 $500. [Quoted from Financial Freedom IV] G. Dave5 1 3 5 1 3 847 1529 54 28 93.276093 Del5 1 3 5 1 4 913 1528 112 29 84.138603 Dotto's5 1 3 5 1 5 1035 1528 127 30 96.839264 toll-free5 1 3 5 1 6 1172 1529 155 38 96.680176 telephones 1 3 5 1 7 1337 1529 179 29 96.369400 consultants5 1 3 5 1 8 1528 1539 47 20 96.252136 ares 1 3 5 1 9 1586 1530 143 29 96.252136 available5 1 3 5 1 10 1740 1536 29 23 96.745895 to5 1 3 5 1 11 1779 1530 167 39 96.511650 personally4 1 3 5 2 0 606 1577 1340 38 -1 5 1 3 5 2 1 606 1577 89 30 96.982430 assists 1 3 5 2 2 707 1587 59 28 96.909286 you5 1 3 5 2 3 781 1578 28 28 96.884544 in5 1 3 5 2 4 824 1578 37 29 95.930824 all5 1 3 5 2 5 876 1578 107 29 85.789413 deals. [Quoted from Financial Freedom VI, Financial Freedom V, and Financial Freedom Part IV] H. How5 1 3 6 1 3 859 1683 29 23 96.062630 to5 1 3 6 1 4 904 1683 49 32 96.736328 gets 1 3 6 1 5 969 1678 83 29 95.857124 loans5 1 3 6 1 6 1069 1678 47 29 95.857124 for5 1 3 6 1 7 1130 1687 32 20 95.514809 as5 1 3 6 1 8 1180 1679 72 28 95.514809 little5 1 3 6 1 9 1269 1687 31 20 96.947716 as5 1 3 6 1 10 1317 1679 52 28 96.689064 3%5 1 3 6 1 11 1387 1679 144 28 86.090729 interest. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom II, and Financial Freedom] I. Now5 1 3 7 1 3 849 1826 130 28 96.753082 Volumes 1 3 7 1 4 998 1826 27 33 96.647179 8,5 1 3 7 1 5 1043 1826 57 29 96.619431 this5 1 3 7 1 6 1119 1826 25 29 96.619431 is5 1 3 7 1 7 1162 1836 58 19 96.826775 ones 1 3 7 1 8 1237 1826 36 29 96.736160 of5 1 3 7 1 9 1288 1836 50 28 96.717583 my5 1 3 7 1 10 1357 1827 126 29 96.717583 favorite5 1 3 7 1 11 1501 1827 106 33 96.738281 books,5 1 3 7 1 12 1626 1827 129 29 96.652351 because5 1 3 7 1 13 1774 1827 57 30 96.652351 this5 1 3 7 1 14 1850 1828 24 29 96.467812 is5 1 3 7 1 15 1894 1837 49 29 96.738396 my4 1 3 7 2 0 604 1875 1339 39 -1 5 1 3 7 2 1 604 1881 193 31 96.193794 governments 1 3 7 2 2 811 1875 67 29 96.477135 loans 1 3 7 2 3 891 1875 89 30 96.477135 book.5 1 3 7 2 4 1004 1875 23 30 96.830887 It5 1 3 7 2 5 1040 1875 60 30 96.422501 will5 1 3 7 2 6 1114 1876 84 29 96.582161 teach5 1 3 7 2 7 1211 1885 59 29 96.893105 you5 1 3 7 2 8 1284 1876 38 29 96.781364 all5 1 3 7 2 9 1336 1876 89 29 96.671646 about5 1 3 7 2 10 1438 1876 69 29 96.320312 how5 1 3 7 2 11 1519 1882 31 23 96.320312 to5 1 3 7 2 12 1563 1882 48 32 96.974510 gets 1 3 7 2 13 1624 1878 84 28 96.968582 loans5 1 3 7 2 14 1721 1877 47 29 96.499435 for5 1 3 7 2 15 1780 1886 31 20 96.499435 as5 1 3 7 2 16 1825 1878 73 28 96.532730 little5 1 3 7 2 17 1912 1887 31 19 96.823242 as4 1 3 7 3 0 608 1924 1337 40 -1 5 1 3 7 3 1 608 1925 47 28 96.898537 1%5 1 3 7 3 2 668 1930 30 24 95.668663 to5 1 3 7 3 3 710 1924 51 30 96.335403 3%5 1 3 7 3 4 774 1924 125 30 96.335403 interest.5 1 3 7 3 5 924 1925 77 29 96.378105 How5 1 3 7 3 6 1013 1925 138 38 96.282288 anybody5 1 3 7 3 7 1163 1934 54 20 96.763794 cans 1 3 7 3 8 1230 1935 48 28 96.579453 go,5 1 3 7 3 9 1291 1935 40 28 96.842201 go5 1 3 7 3 10 1343 1931 30 23 95.660080 to5 1 3 7 3 11 1386 1926 48 28 95.660080 thes 1 3 7 3 12 1447 1932 196 31 96.722931 governments 1 3 7 3 13 1655 1927 58 28 96.441147 ands 1 3 7 3 14 1725 1932 49 32 96.058327 gets 1 3 7 3 15 1786 1935 17 20 96.058327 a5 1 3 7 3 16 1816 1927 67 29 96.882141 loans 1 3 7 3 17 1897 1927 48 29 96.747993 fora 1 3 7 4 0 604 1972 1339 42 -1 5 1 3 7 4 1 604 1972 131 35 96.700378 $17,5005 1 3 7 4 2 748 1979 29 24 96.480453 to5 1 3 7 4 3 790 1974 130 37 96.153282 upgrades 1 3 7 4 4 933 1974 74 29 96.628967 theirs 1 3 7 4 5 1018 1974 103 34 96.753166 house,5 1 3 7 4 6 1135 1975 58 29 96.740280 ands 1 3 7 4 7 1205 1983 60 30 96.397293 you5 1 3 7 4 8 1278 1984 54 20 96.071014 cans 1 3 7 4 9 1345 1975 129 38 96.071014 actually5 1 3 7 4 10 1487 1981 51 32 96.978462 puts 1 3 7 4 11 1551 1984 110 29 96.927574 moneys 1 3 7 4 12 1674 1976 61 29 96.419899 into5 1 3 7 4 13 1747 1985 76 29 96.916092 yours 1 3 7 4 14 1835 1977 108 37 96.548477 pocket4 1 3 7 5 0 603 2023 1340 40 -1 5 1 3 7 5 1 603 2023 94 30 96.918091 under5 1 3 7 5 2 709 2023 57 30 96.655418 this5 1 3 7 5 3 780 2032 146 29 96.599525 program.5 1 3 7 5 4 951 2024 98 34 96.690826 Folks,5 1 3 7 5 5 1063 2024 57 29 96.921806 this5 1 3 7 5 6 1134 2025 60 28 96.627029 will5 1 3 7 5 7 1209 2025 64 29 96.654396 also5 1 3 7 5 8 1286 2025 84 29 96.753029 shows 1 3 7 5 9 1384 2034 59 28 96.513084 you5 1 3 7 5 10 1457 2025 68 29 96.969177 how5 1 3 7 5 11 1539 2031 30 23 95.984283 to5 1 3 7 5 12 1582 2031 48 32 96.741692 gets 1 3 7 5 13 1643 2026 48 29 96.816208 thes 1 3 7 5 14 1704 2031 196 32 96.361252 governments 1 3 7 5 15 1912 2031 31 24 96.847733 to4 1 3 7 6 0 604 2073 1337 40 -1 5 1 3 7 6 1 604 2073 85 29 96.739975 makes 1 3 7 6 2 704 2073 37 29 95.973236 all5 1 3 7 6 3 756 2082 74 28 96.445389 yours 1 3 7 6 4 842 2079 156 32 96.369354 payments5 1 3 7 6 5 1011 2082 39 21 96.733864 on5 1 3 7 6 6 1063 2082 76 29 96.533195 yours 1 3 7 6 7 1151 2074 162 38 96.533195 properties5 1 3 7 6 8 1327 2074 126 38 96.425262 through5 1 3 7 6 9 1468 2074 121 30 96.194115 Sections 1 3 7 6 10 1604 2075 16 29 96.290604 85 1 3 7 6 11 1636 2076 128 37 96.290604 housing5 1 3 7 6 12 1777 2085 164 28 96.352539 programs.4 1 3 7 7 0 602 2122 1341 39 -1 5 1 3 7 7 1 602 2123 47 29 91.533005 It's5 1 3 7 7 2 665 2122 147 30 96.691940 available5 1 3 7 7 3 827 2124 190 37 96.687851 everywhere5 1 3 7 7 4 1033 2123 28 29 96.623184 in5 1 3 7 7 5 1078 2124 164 29 82.705956 America. [Quoted from Financial Freedom VI and How to Make Nothing But Money] J. You5 1 3 8 1 3 825 2232 54 20 96.001999 cans 1 3 8 1 4 892 2223 40 29 96.001999 do5 1 3 8 1 5 945 2223 77 29 96.616348 what5 1 3 8 1 6 1035 2223 149 30 96.588051 hundreds5 1 3 8 1 7 1197 2223 35 30 96.911369 of5 1 3 8 1 8 1242 2224 162 30 96.845230 thousands5 1 3 8 1 9 1417 2224 37 30 96.879318 of5 1 3 8 1 10 1464 2224 98 30 96.672539 others5 1 3 8 1 11 1576 2233 48 21 96.971771 ares 1 3 8 1 12 1636 2225 102 38 96.739937 doing,5 1 3 8 1 13 1752 2233 59 30 96.484848 you5 1 3 8 1 14 1825 2234 55 20 96.189972 cans 1 3 8 1 15 1893 2231 49 32 97.009369 get4 1 3 8 2 0 601 2272 1341 40 -1 5 1 3 8 2 1 601 2272 118 34 96.409729 wealth,5 1 3 8 2 2 736 2273 137 38 96.535103 security,5 1 3 8 2 3 889 2272 142 30 96.433220 financial5 1 3 8 2 4 1046 2273 135 30 96.026085 freedom5 1 3 8 2 5 1197 2274 58 29 96.026085 ands 1 3 8 2 6 1270 2283 91 28 96.484222 peace5 1 3 8 2 7 1377 2274 47 29 96.553200 for5 1 3 8 2 8 1439 2274 48 29 97.014557 thes 1 3 8 2 9 1503 2280 58 24 97.015907 rests 1 3 8 2 10 1576 2274 35 30 97.015907 of5 1 3 8 2 11 1623 2283 74 29 96.975731 yours 1 3 8 2 12 1712 2274 78 31 85.340057 life. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, and Financial Freedom II] K. Overs 1 3 9 1 3 843 2422 129 35 96.237999 500,0005 1 3 9 1 4 984 2423 116 38 95.624687 people,5 1 3 9 1 5 1108 2423 61 38 94.958557 just5 1 3 9 1 6 1182 2423 57 29 94.958557 likes 1 3 9 1 7 1252 2424 48 28 96.955315 thes 1 3 9 1 8 1312 2433 71 20 96.829056 ones5 1 3 9 1 9 1396 2433 59 28 96.744766 you5 1 3 9 1 10 1468 2433 49 20 96.025795 sees 1 3 9 1 11 1530 2433 38 20 96.025795 on5 1 3 9 1 12 1582 2424 55 29 96.916885 this5 1 3 9 1 13 1650 2424 155 30 96.477104 televisions 1 3 9 1 14 1819 2424 121 38 96.704880 special,4 1 3 9 2 0 600 2472 1340 40 -1 5 1 3 9 2 1 600 2472 76 29 96.362579 have5 1 3 9 2 2 694 2472 127 29 96.136246 becomes 1 3 9 2 3 838 2473 68 28 96.343903 avid5 1 3 9 2 4 923 2473 84 29 96.829315 Dave5 1 3 9 2 5 1025 2473 55 29 79.502800 Del]5 1 3 9 2 6 1099 2473 91 30 96.468300 Dotto5 1 3 9 2 7 1208 2474 142 33 96.540306 students,5 1 3 9 2 8 1368 2474 57 29 96.540306 ands 1 3 9 2 9 1442 2473 191 39 96.501511 participants5 1 3 9 2 10 1651 2474 28 29 96.560448 in5 1 3 9 2 11 1696 2474 46 29 96.560448 his5 1 3 9 2 12 1759 2474 81 29 96.940849 Cash5 1 3 9 2 13 1858 2475 82 28 96.728668 Flow4 1 3 9 3 0 601 2521 1339 40 -1 5 1 3 9 3 1 601 2521 129 38 96.661980 System,5 1 3 9 3 2 748 2522 49 29 96.143547 thes 1 3 9 3 3 815 2528 77 23 96.833237 most5 1 3 9 3 4 910 2523 139 37 96.342278 dynamics 1 3 9 3 5 1067 2524 107 28 96.307266 wealth5 1 3 9 3 6 1191 2523 135 37 96.541641 buildings 1 3 9 3 7 1345 2524 89 28 96.421791 homes 1 3 9 3 8 1452 2524 86 37 96.177536 study5 1 3 9 3 9 1557 2533 104 20 96.627541 courses 1 3 9 3 10 1680 2524 147 29 96.509293 available5 1 3 9 3 11 1844 2524 30 29 96.909607 in5 1 3 9 3 12 1892 2524 48 29 96.712822 thea 1 3 9 4 0 599 2572 1341 39 -1 5 1 3 9 4 1 599 2577 122 32 96.801933 country5 1 3 9 4 2 734 2572 97 37 96.238197 today.5 1 3 9 4 3 856 2572 9 29 91.698959 I5 1 3 9 4 4 879 2572 82 29 96.924393 thinks 1 3 9 4 5 974 2572 43 30 95.809525 it's5 1 3 9 4 6 1031 2572 158 38 96.748573 important5 1 3 9 4 7 1201 2578 30 24 96.140144 to5 1 3 9 4 8 1243 2573 89 29 96.376282 knows 1 3 9 4 9 1346 2573 60 29 96.835045 that5 1 3 9 4 10 1418 2582 60 29 96.202095 you5 1 3 9 4 11 1490 2582 56 20 95.960800 cans 1 3 9 4 12 1559 2574 39 28 95.960800 do5 1 3 9 4 13 1610 2574 117 37 96.558029 exactly5 1 3 9 4 14 1741 2574 78 28 96.744545 what5 1 3 9 4 15 1831 2574 109 37 85.386047 they're4 1 3 9 5 0 599 2621 1341 40 -1 5 1 3 9 5 1 599 2621 100 38 96.469902 doing,5 1 3 9 5 2 712 2623 56 27 96.469902 ands 1 3 9 5 3 779 2630 39 29 96.493027 go5 1 3 9 5 4 829 2631 38 20 96.541512 on5 1 3 9 5 5 879 2628 29 23 96.541512 to5 1 3 9 5 6 919 2623 122 28 96.589348 achieves 1 3 9 5 7 1052 2632 74 28 96.573929 yours 1 3 9 5 8 1136 2623 125 33 96.765282 dreams,5 1 3 9 5 9 1274 2623 56 29 96.444397 ands 1 3 9 5 10 1342 2623 183 29 96.170212 accumulate5 1 3 9 5 11 1537 2632 31 20 96.954460 as5 1 3 9 5 12 1581 2623 87 29 96.905891 much5 1 3 9 5 13 1681 2623 105 29 96.698997 wealth5 1 3 9 5 14 1798 2632 32 21 96.994774 as5 1 3 9 5 15 1842 2624 98 37 96.699135 you're4 1 3 9 6 0 600 2671 1339 38 -1 5 1 3 9 6 1 600 2671 113 38 96.462761 willing5 1 3 9 6 2 727 2677 30 24 96.715462 to5 1 3 9 6 3 771 2672 82 29 96.955795 works 1 3 9 6 4 866 2671 72 30 90.955414 for. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, and Financial Freedom TT] L. We're5 1 3 10 1 3 850 2821 68 29 96.847679 here5 1 3 10 1 4 931 2822 87 37 96.996635 today5 1 3 10 1 5 1030 2827 28 24 96.982361 at5 1 3 10 1 6 1069 2830 57 21 96.445297 ones 1 3 10 1 7 1138 2822 35 29 96.445297 of5 1 3 10 1 8 1182 2830 53 21 96.952873 ours 1 3 10 1 9 1246 2822 128 29 96.283867 national5 1 3 10 1 10 1388 2822 141 29 96.453712 seminars5 1 3 10 1 11 1543 2823 56 28 96.668083 ands 1 3 10 1 12 1612 2823 10 28 96.094917 I5 1 3 10 1 13 1636 2823 114 28 96.692902 wanted5 1 3 10 1 14 1763 2829 29 22 96.801025 to5 1 3 10 1 15 1804 2823 66 28 96.796448 takes 1 3 10 1 16 1882 2823 57 29 96.905518 this4 1 3 10 2 0 598 2871 1342 39 -1 5 1 3 10 2 1 598 2871 193 37 95.923454 opportunity5 1 3 10 2 2 808 2877 29 23 96.082466 to5 1 3 10 2 3 853 2872 84 28 95.899918 shows 1 3 10 2 4 953 2880 59 29 96.860138 you5 1 3 10 2 5 1029 2872 68 29 96.279114 how5 1 3 10 2 6 1113 2872 107 37 96.279114 peoples 1 3 10 2 7 1237 2871 78 30 96.501602 from5 1 3 10 2 8 1331 2872 113 29 96.784538 around5 1 3 10 2 9 1460 2872 48 29 96.461662 thes 1 3 10 2 10 1524 2872 100 29 96.461662 nations 1 3 10 2 11 1641 2881 48 21 96.212067 ares 1 3 10 2 12 1705 2872 101 38 96.212067 taking5 1 3 10 2 13 1822 2872 72 30 96.397743 times 1 3 10 2 14 1910 2878 30 24 97.004662 to DEL DOTTO ENTERPRISES, INC., ET AL. 449 446 Complaint come to these seminars and learn how to accomplish their goals, achieve their dreams and gain wealth building knowledge. Those are people just like yourself who've made. the decision to finally go for it - to finally go for their dreams.” {Quoted from Financial Freedom V and I] M. Hello,5 1 3 2 1 3 828 779 50 28 95.571297 I'm5 1 3 2 1 4 892 779 84 28 95.571297 Dave5 1 3 2 1 5 990 778 56 29 96.477226 Del5 1 3 2 1 6 1061 778 102 28 95.991364 Dotto.5 1 3 2 1 7 1189 777 113 29 96.135445 Would5 1 3 2 1 8 1315 785 60 29 96.985222 you5 1 3 2 1 9 1390 776 68 38 96.882401 gives 1 3 2 1 10 1472 785 39 28 96.996597 up5 1 3 2 1 11 1525 775 88 38 96.851959 thirty5 1 3 2 1 12 1627 775 128 29 96.215019 minutes5 1 3 2 1 13 1770 774 35 29 96.997932 of5 1 3 2 1 14 1816 783 75 29 96.878044 your4 1 3 2 2 0 550 824 1339 42 -1 5 1 3 2 2 1 550 829 70 29 96.983765 times 1 3 2 2 2 632 828 26 30 96.970253 if5 1 3 2 2 3 667 829 20 29 95.945702 it5 1 3 2 2 4 698 829 89 29 95.945702 could5 1 3 2 2 5 799 828 112 38 96.277000 changes 1 3 2 2 6 923 836 74 30 96.598206 yours 1 3 2 2 7 1007 827 52 30 96.990738 life5 1 3 2 2 8 1070 827 78 30 96.104408 from5 1 3 2 2 9 1161 827 78 29 96.547562 what5 1 3 2 2 10 1251 835 58 29 95.990013 you5 1 3 2 2 11 1322 826 75 29 95.990013 have5 1 3 2 2 12 1410 834 68 21 96.999672 now5 1 3 2 2 13 1490 830 30 25 96.779648 to5 1 3 2 2 14 1531 825 49 30 96.779648 thes 1 3 2 2 15 1592 824 52 30 96.953300 life5 1 3 2 2 16 1656 824 60 30 96.771286 that5 1 3 2 2 17 1727 833 59 30 96.992683 you5 1 3 2 2 18 1798 824 91 38 96.564102 really4 1 3 2 3 0 550 875 1338 40 -1 5 1 3 2 3 1 550 884 79 24 97.010155 wants 1 3 2 3 2 641 884 30 24 96.454590 to5 1 3 2 3 3 685 878 78 30 95.628723 live?5 1 3 2 3 4 786 878 110 29 96.650764 Would5 1 3 2 3 5 909 887 58 28 96.881226 you5 1 3 2 3 6 981 878 68 37 96.656921 gives 1 3 2 3 7 1062 886 40 29 96.975754 up5 1 3 2 3 8 1115 877 88 38 96.779190 thirty5 1 3 2 3 9 1216 876 129 30 96.363037 minutes5 1 3 2 3 10 1358 875 36 30 96.962090 of5 1 3 2 3 11 1403 884 75 29 96.954674 yours 1 3 2 3 12 1490 875 71 29 96.989235 times 1 3 2 3 13 1575 875 26 29 96.861549 if5 1 3 2 3 14 1611 875 21 29 96.861549 it5 1 3 2 3 15 1645 880 99 24 96.913063 meant5 1 3 2 3 16 1756 875 61 29 96.603981 that5 1 3 2 3 17 1829 883 59 29 96.120804 you4 1 3 2 4 0 549 925 1339 41 -1 5 1 3 2 4 1 549 929 89 28 96.581161 could5 1 3 2 4 2 648 937 57 29 97.000618 pays 1 3 2 4 3 716 928 49 29 96.564980 offs 1 3 2 4 4 772 928 38 29 93.996025 all5 1 3 2 4 5 821 936 74 30 96.952545 yours 1 3 2 4 6 904 927 76 34 96.963158 bills,5 1 3 2 4 7 992 928 59 37 96.963951 buys 1 3 2 4 8 1063 927 47 29 96.918579 thes 1 3 2 4 9 1122 927 94 29 97.003708 houses 1 3 2 4 10 1228 926 56 29 96.947372 ands 1 3 2 4 11 1295 926 48 29 96.937477 thes 1 3 2 4 12 1354 935 49 19 97.008202 cars 1 3 2 4 13 1414 926 104 37 96.483124 you've5 1 3 2 4 14 1530 925 110 38 96.814911 always5 1 3 2 4 15 1653 925 116 29 96.981049 wanted5 1 3 2 4 16 1780 929 29 25 96.584618 to5 1 3 2 4 17 1820 933 68 21 96.931236 own4 1 3 2 5 0 549 974 1339 40 -1 5 1 3 2 5 1 549 978 56 30 96.959686 ands 1 3 2 5 2 618 978 75 30 96.718903 have5 1 3 2 5 3 705 978 47 29 97.011818 thes 1 3 2 5 4 764 977 140 30 96.854828 financial5 1 3 2 5 5 916 977 133 29 96.656464 freedom5 1 3 2 5 6 1060 977 106 37 96.531158 you've5 1 3 2 5 7 1179 976 111 38 96.734612 always5 1 3 2 5 8 1303 975 136 30 96.596146 wanted?5 1 3 2 5 9 1462 975 31 29 96.770119 In5 1 3 2 5 10 1506 975 49 29 96.770119 thes 1 3 2 5 11 1568 980 69 24 96.631790 next5 1 3 2 5 12 1650 974 87 39 96.631790 thirty5 1 3 2 5 13 1750 974 138 33 96.724411 minutes,4 1 3 2 6 0 549 1024 1337 41 -1 5 1 3 2 6 1 549 1028 50 28 96.851425 I'm5 1 3 2 6 2 613 1027 92 38 96.377518 going5 1 3 2 6 3 718 1033 31 23 96.503563 to5 1 3 2 6 4 763 1027 82 29 96.370728 shows 1 3 2 6 5 860 1027 68 29 96.370728 how5 1 3 2 6 6 941 1035 58 29 96.293839 you5 1 3 2 6 7 1013 1035 55 21 96.170273 cans 1 3 2 6 8 1082 1026 39 30 96.982430 do5 1 3 2 6 9 1135 1026 83 30 96.684525 these5 1 3 2 6 10 1232 1025 108 38 96.730392 things.5 1 3 2 6 11 1366 1025 51 29 96.348595 I'm5 1 3 2 6 12 1430 1034 75 20 96.905647 even5 1 3 2 6 13 1519 1025 92 37 96.536461 going5 1 3 2 6 14 1625 1030 30 24 96.997955 to5 1 3 2 6 15 1669 1030 157 32 96.163734 guarantees 1 3 2 6 16 1841 1024 45 29 78.632416 it.”4 1 3 2 7 0 551 1076 551 37 -1 5 1 3 2 7 1 551 1077 129 36 56.566628 (Quoted5 1 3 2 7 2 693 1077 79 29 96.355888 from5 1 3 2 7 3 784 1076 150 30 96.355888 Financial5 1 3 2 7 4 946 1076 156 36 96.318382 Freedom]3 1 3 3 0 0 544 1124 1343 584 -1 4 1 3 3 1 0 622 1124 1264 40 -1 5 1 3 3 1 1 622 1127 36 29 92.682571 N.5 1 3 3 1 2 682 1127 111 29 91.902420 Those are people like you and me, and there are thousands more like them. Let me ask you something? Did you think those people are any different than you? Well let me tell you, they're not. They only did one thing that you haven't done, they called the 800 number that you see on the screen. They called these operators and they bought this Cash Flow System. And they did it for less money than it costs for the average portable color television set. They bought themselves financial freedom for the rest of their lives. This Cash Flow System is an informative collection of books and tapes that took years to develop. It works for anybody who is willing to use it. And the proof is in the fact that my students are from all walks of life, housewives, teenagers, lawyers, school teachers, immigrants, married couples, single people, even Harvard graduates." [Quoted from Financial Freedom] O. So5 1 3 4 1 3 752 1723 10 28 94.176308 I5 1 3 4 1 4 776 1723 101 28 95.681389 would5 1 3 4 1 5 890 1728 120 32 95.994415 suggests 1 3 4 1 6 1022 1723 173 37 96.635902 everybody5 1 3 4 1 7 1209 1722 77 38 96.584122 rights 1 3 4 1 8 1298 1731 68 21 96.628632 now5 1 3 4 1 9 1380 1728 48 32 96.564537 gets 1 3 4 1 10 1441 1722 61 30 96.564537 into5 1 3 4 1 11 1516 1723 48 29 96.575409 thes 1 3 4 1 12 1576 1723 139 29 96.487740 business5 1 3 4 1 13 1728 1723 75 38 96.238297 rights 1 3 4 1 14 1816 1732 68 20 96.182190 now4 1 3 4 2 0 544 1770 1131 39 -1 5 1 3 4 2 1 544 1770 26 30 96.659660 if5 1 3 4 2 2 580 1780 58 29 96.603943 you5 1 3 4 2 3 652 1777 78 23 96.211372 wants 1 3 4 2 4 742 1777 31 23 96.211372 to5 1 3 4 2 5 785 1772 87 28 96.646591 makes 1 3 4 2 6 884 1780 17 20 95.696922 a5 1 3 4 2 7 912 1772 142 29 76.695686 fortune. [Quoted from Financial Freedom II] P. “If you're really sincere about making money, the money that you need to achieve your goals, then you won't need a guarantee. But it will do for you what it did for me and what it does for thousands of people throughout the country.” [Quoted from How to Make Nothing But Money] Q. I5 1 3 6 1 3 724 2020 100 29 94.731514 would5 1 3 6 1 4 837 2020 200 33 96.018158 recommend,5 1 3 6 1 5 1052 2019 46 30 96.018158 for5 1 3 6 1 6 1111 2020 140 38 96.509850 anybody5 1 3 6 1 7 1265 2026 51 23 96.545731 outs 1 3 6 1 8 1329 2020 89 33 96.847099 there,5 1 3 6 1 9 1433 2020 117 29 96.448280 believes 1 3 6 1 10 1564 2029 57 24 96.952370 me,5 1 3 6 1 11 1635 2020 88 30 96.442863 when5 1 3 6 1 12 1726 2015 13 47 89.211609 I5 1 3 6 1 13 1761 2020 49 30 96.691032 tells 1 3 6 1 14 1824 2029 59 29 96.961624 you4 1 3 6 2 0 543 2069 1342 38 -1 5 1 3 6 2 1 543 2069 65 34 96.923645 this,5 1 3 6 2 2 629 2069 4 29 95.215439 I5 1 3 6 2 3 645 2070 86 28 96.589058 knew5 1 3 6 2 4 745 2069 121 38 96.681198 nothing5 1 3 6 2 5 879 2070 87 28 96.832741 about5 1 3 6 2 6 978 2070 56 28 96.561600 real5 1 3 6 2 7 1048 2075 91 23 96.763870 estates 1 3 6 2 8 1152 2075 59 23 96.595512 two5 1 3 6 2 9 1224 2079 83 28 96.756050 years5 1 3 6 2 10 1321 2079 65 28 96.609680 ago.5 1 3 6 2 11 1410 2069 48 29 95.926590 Go5 1 3 6 2 12 1470 2069 47 29 95.926590 for5 1 3 6 2 13 1528 2070 29 28 96.008942 it.5 1 3 6 2 14 1581 2070 122 29 96.101845 Believes 1 3 6 2 15 1717 2079 56 25 96.951256 me,5 1 3 6 2 16 1786 2079 39 28 96.832779 go5 1 3 6 2 17 1837 2070 48 29 96.691734 fora 1 3 6 3 0 544 2119 1338 39 -1 5 1 3 6 3 1 544 2119 31 29 92.860184 it!5 1 3 6 3 2 604 2119 58 30 92.860184 Gets 1 3 6 3 3 676 2119 50 30 96.249908 thes 1 3 6 3 4 740 2119 178 38 96.664597 knowledge5 1 3 6 3 5 931 2119 61 30 96.748383 that5 1 3 6 3 6 1005 2128 59 29 96.453148 you5 1 3 6 3 7 1079 2120 76 29 95.645226 needs 1 3 6 3 8 1169 2119 127 38 96.350197 through5 1 3 6 3 9 1310 2119 48 30 96.741638 thes 1 3 6 3 10 1372 2119 97 30 96.741638 books5 1 3 6 3 11 1483 2120 58 29 95.930626 ands 1 3 6 3 12 1555 2125 82 33 96.379929 tapes5 1 3 6 3 13 1653 2120 61 29 96.109444 that5 1 3 6 3 14 1727 2120 84 29 96.109444 Dave5 1 3 6 3 15 1825 2120 57 29 96.531754 Dela 1 3 6 4 0 543 2169 1339 38 -1 5 1 3 6 4 1 543 2169 91 30 96.850914 Dotto5 1 3 6 4 2 646 2169 79 34 97.004715 sells,5 1 3 6 4 3 739 2169 57 30 95.780655 ands 1 3 6 4 4 807 2169 39 30 95.780655 do5 1 3 6 4 5 858 2169 29 29 95.193726 it.5 1 3 6 4 6 911 2169 22 29 96.248955 It5 1 3 6 4 7 945 2169 89 38 96.506699 really5 1 3 6 4 8 1047 2169 107 30 96.780540 works.5 1 3 6 4 9 1178 2169 123 29 96.288765 Believes 1 3 6 4 10 1315 2178 58 25 96.557182 me,5 1 3 6 4 11 1386 2169 20 29 96.783440 it5 1 3 6 4 12 1419 2169 124 29 87.561722 works. [Quoted from How to Make Nothing But Money, testimonial of Dennis Smith] R. I5 1 3 7 1 3 719 2270 84 33 79.013901 can't,5 1 3 7 1 4 817 2278 59 29 96.577866 you5 1 3 7 1 5 889 2269 99 33 96.577866 know,5 1 3 7 1 6 1002 2275 89 24 96.033798 stress5 1 3 7 1 7 1104 2269 120 38 96.464142 enough5 1 3 7 1 8 1238 2269 90 29 96.387154 about5 1 3 7 1 9 1340 2269 69 29 96.384727 how5 1 3 7 1 10 1422 2274 39 28 96.777519 to,5 1 3 7 1 11 1474 2269 70 29 96.668732 how5 1 3 7 1 12 1558 2274 29 24 96.668732 to5 1 3 7 1 13 1600 2278 169 29 96.494049 encourages 1 3 7 1 14 1781 2278 59 29 96.494049 you5 1 3 7 1 15 1854 2274 29 24 96.644615 to4 1 3 7 2 0 543 2319 1339 38 -1 5 1 3 7 2 1 543 2325 48 31 96.250977 gets 1 3 7 2 2 602 2319 48 29 96.503860 thes 1 3 7 2 3 661 2325 82 32 96.503860 tapes5 1 3 7 2 4 755 2325 30 23 96.654602 to5 1 3 7 2 5 796 2319 39 29 96.747421 do5 1 3 7 2 6 847 2319 64 34 96.952263 this,5 1 3 7 2 7 924 2319 126 29 96.511177 because5 1 3 7 2 8 1062 2319 50 29 39.280838 I'm5 1 3 7 2 9 1121 2319 62 38 96.600510 just5 1 3 7 2 10 1194 2328 36 20 96.600510 an5 1 3 7 2 11 1243 2328 124 28 96.572014 averages 1 3 7 2 12 1378 2319 63 33 96.991776 Joe,5 1 3 7 2 13 1454 2319 65 34 96.950127 and,5 1 3 7 2 14 1533 2319 57 28 96.774498 ands 1 3 7 2 15 1602 2319 25 28 94.111107 if5 1 3 7 2 16 1636 2319 10 28 93.991081 I5 1 3 7 2 17 1659 2328 55 20 96.917725 cans 1 3 7 2 18 1726 2319 78 28 96.945457 learns 1 3 7 2 19 1816 2319 66 33 96.744766 this,4 1 3 7 3 0 543 2368 1340 39 -1 5 1 3 7 3 1 543 2369 118 29 96.351845 believes 1 3 7 3 2 681 2378 56 25 96.563034 me,5 1 3 7 3 3 757 2378 58 29 96.545944 you5 1 3 7 3 4 833 2369 81 29 80.060287 can.”5 1 3 7 3 5 935 2368 131 37 96.137772 [Quoted5 1 3 7 3 6 1084 2369 77 29 96.374649 from5 1 3 7 3 7 1180 2368 151 30 96.100609 Financial5 1 3 7 3 8 1350 2369 144 29 96.096222 Freedom5 1 3 7 3 9 1512 2368 41 29 96.068520 VI5 1 3 7 3 10 1572 2369 58 29 96.822998 ands 1 3 7 3 11 1648 2369 77 29 95.867241 How5 1 3 7 3 12 1744 2374 30 24 95.867241 to5 1 3 7 3 13 1792 2368 91 30 96.987495 Make4 1 3 7 4 0 543 2418 842 39 -1 5 1 3 7 4 1 543 2419 132 38 96.702209 Nothing5 1 3 7 4 2 688 2419 58 30 96.722969 But5 1 3 7 4 3 758 2419 124 38 95.169037 Money,5 1 3 7 4 4 895 2418 180 31 96.314003 testimonials 1 3 7 4 5 1089 2418 35 31 96.884048 of5 1 3 7 4 6 1133 2419 67 29 96.911552 Dan5 1 3 7 4 7 1214 2418 171 36 94.844986 O'Connor]3 1 3 8 0 0 542 2468 1341 139 -1 4 1 3 8 1 0 618 2468 1263 38 -1 5 1 3 8 1 1 618 2469 29 29 91.895218 S.5 1 3 8 1 2 676 2470 62 28 96.338173 It's being done. It can be done. We're doing it. We're average people. Everyone can do this. [Quoted from Financia] Freedom VI and Financial Freedom II, testimonial of Reggie Brooks] PAR. 5. Through the use of the statements contained in advertisements and other communications, including but not necessarily limited to the advertisements referred to in paragraph four, respondents have represented, directly or by implication, that: Complaint 17 F.T.C.

A. Respondents' book entitled Treasury5 1 3 1 1 6 1518 585 42 35 96.713646 of5 1 3 1 1 7 1570 586 242 35 96.057419 Governments 1 3 1 1 8 1825 587 146 41 94.114433 Loans, which is volume 8 of the Cash Flow System, will teach customers how every homeowner can immediately get a government home improvement loan of $17,500;

B. Respondents’ book entitled Treasury5 1 3 2 1 6 1523 818 43 36 96.697662 of5 1 3 2 1 7 1576 818 244 37 96.299492 Governments 1 3 2 1 8 1834 820 136 35 96.372009 Loans will show customers how to pocket some portion of the proceeds of a $17,500 government home improvement loan; C. Respondents, book entitled Yours 1 3 3 1 6 1556 993 132 42 96.010658 Credit,5 1 3 3 1 7 1719 994 76 35 96.010658 Thes 1 3 3 1 8 1826 995 79 44 96.160019 Keys 1 3 3 1 9 1936 1000 35 29 96.160019 to4 1 3 3 2 0 634 1050 1335 48 -1 5 1 3 3 2 1 634 1050 181 36 96.355003 Financial5 1 3 3 2 2 832 1050 229 41 96.575363 Resources, which is volume 3 of the Cash Flow System, will teach customers how they can get over $100,000 of unsecured credit through credit cards;

D. The “National Foreclosure Network Wholesale Buyer's Guide” includes an extensive list of foreclosure and tax sale properties;

E. A telephone consulting service, to personally assist customers in making real estate deals, is included in the price paid for the Cash Flow System;

F. Respondents’ book entitled Treasury5 1 3 6 1 6 1516 1577 43 34 96.393967 of5 1 3 6 1 7 1570 1577 244 34 96.274078 Governments 1 3 6 1 8 1828 1578 137 34 96.436951 Loans shows customers how they can get loans for 1 to 3% under circumstances normally and expectably encountered by consumers; and G. Respondents’ book entitled Treasury5 1 3 7 1 6 1519 1808 43 35 96.256165 of5 1 3 7 1 7 1571 1809 245 35 96.694870 Governments 1 3 7 1 8 1828 1809 136 35 94.377846 Loans will show customers how they can get the government to make all of their payments on rental property.

PAR. 6. In truth and in fact:

A. Respondents’ book entitled Treasury5 1 5 1 1 6 1517 2156 43 35 95.758575 of5 1 5 1 1 7 1570 2156 245 35 95.758575 Governments 1 5 1 1 8 1828 2157 136 34 95.433548 Loans does not teach customers how every homeowner can immediately get a government home improvement loan for $17,500. Under the pertinent loan program, Section 2 of Title I of the National Housing Act, 12 U.S.C. 1703, consumers must meet eligibility requirements including, but not necessarily limited to, creditworthiness. B. Respondents, book entitled Treasury5 1 5 2 1 6 1517 2506 42 34 95.911026 of5 1 5 2 1 7 1570 2506 244 35 95.911026 Governments 1 5 2 1 8 1828 2506 135 35 89.119827 Loans does not show customers how to pocket some portion of the proceeds of a $17,500 government home improvement loan. It does not contain any discussion of pocketing proceeds. In addition, the loans guaranteed under the pertinent loan program, Section 2 of Title I of National Housing Act, 12 U.S.C. 1703, are only for property improvement and are not supposed to be pocketed. DEL DOTTO ENTERPRISES, INC., ET AL. 451 446 Complaint C. Respondents’ book entitled Yours 1 3 1 1 6 1489 585 133 42 96.239883 Credit,5 1 3 1 1 7 1652 585 76 35 96.993439 Thes 1 3 1 1 8 1758 584 79 45 96.425598 Keys 1 3 1 1 9 1868 589 36 29 96.425598 to4 1 3 1 2 0 569 644 1337 45 -1 5 1 3 1 2 1 569 651 178 36 96.795303 Financial5 1 3 1 2 2 760 650 214 35 93.506866 Resources does not teach customers how they can get over $100,000 of unsecured credit through credit cards. It does not contain any discussion of customers obtaining over $100,000 of unsecured credit through credit cards. In addition, the prerequisites for the issuance of credit cards make it virtually impossible for all but those with extremely high incomes and very good credit histories to obtain the amount of unsecured credit indicated. D. The National5 1 3 2 1 4 1061 1055 234 34 96.345169 Foreclosure5 1 3 2 1 5 1322 1052 172 36 96.779877 Networks 1 3 2 1 6 1521 1051 208 35 96.086716 Wholesale5 1 3 2 1 7 1757 1049 147 46 96.949867 Buyer's4 1 3 2 2 0 568 1108 1337 44 -1 5 1 3 2 2 1 568 1115 135 37 96.361107 Guide does not contain an extensive list of foreclosure and tax sale properties.

E. The telephone consulting service is not included in the price paid for the Cash Flow System.

F. Respondents’ book entitled Treasury5 1 3 4 1 6 1454 1343 43 37 96.967651 of5 1 3 4 1 7 1508 1343 244 37 96.544510 Governments 1 3 4 1 8 1765 1341 137 36 89.005348 Loans does not show customers how they can get loans for 1] to 3% under circumstances normally and expectably encountered by consumers. The 1% to 3% loans mentioned in respondents’ books are either available in very limited circumstances or are no longer available. G. Respondents’ book entitled Treasury5 1 3 5 1 6 1457 1634 42 35 96.506073 of5 1 3 5 1 7 1510 1634 244 35 96.598053 Governments 1 3 5 1 8 1767 1632 135 36 93.818459 Loans does not show customers how they can get the government to make all of their payments on rental property. Therefore, the representations set forth in paragraph five were, and are, false and misleading.

PAR. 7. In their advertising and sale of the Cash Flow System, respondents have represented, directly or by implication, that respondents guarantee a refund of the purchase price. Respondents have failed to adequately disclose that respondents charge a restocking fee of 10% of the purchase price on refunds made under their guarantee. This fact would be material to consumers in their purchase decisions regarding the product. The failure to adequately disclose this fact, in light of the representation made, was, and is, a deceptive practice.

PAR. 8. Through the use of the statements contained in advertisements and other communications, including but not necessarily limited to the advertisements referred to in paragraph four, respondents have represented, directly or by implication, that: A. Hundreds of thousands of respondents' customers have made substantial sums of money through use of the Cash Flow System; Complaint HI7 FTC.

B. Customers who attempt to use the Cash Flow System typically profit through investments in real estate; and, C. The consumer testimonials that appear in advertisements for the Cash Flow System reflect the typical or ordinary experience of members of the public who have attempted to use the Cash Flow System.

PAR. 9. In truth and in fact:

A. Hundreds of thousands of respondents' customers have not made substantial sums of money through use of the Cash Flow System;

B. Customers who attempt to use the Cash Flow System do not typically profit through investments in real estate; and, C. The consumer testimonials that appear in advertisements for the Cash Flow System do not reflect the typical or ordinary experience of members of the public who have attempted to use the Cash Flow System.

Therefore, the representations set forth in paragraph eight were and are, false and misleading.

PAR. 10. Through the use of the statements contained in advertisements and other communications, including but not necessarily limited to the advertisements referred to in paragraph four, respondents have represented, directly or implication, that at the time they made the representations set forth in paragraph eight, respondents possessed and relied upon a reasonable basis that substantiated such representations.

PAR. 11. In truth and in fact, at the time they made the representations set forth in paragraph eight, respondents did not possess and rely upon a reasonable basis that substantiated such representations. Therefore, the representation set forth in paragraph ten was, and is, false and misleading.

PAR. 12. Through the advertising and dissemination of its program length advertisements including, but not necessarily limited to Financial Freedom, respondents have represented, directly or by implication, that these advertisements are independent television programs and are not paid commercial advertising. PAR. 13. In truth and in fact, the advertisements referred to in paragraph twelve are not independent television programs and are DEL DOTTO ENTERPRISES, INC., ET AL. 453 446 Decision and Order paid commercial advertising. Therefore, the representation set forth in paragraph twelve was, and is, false and misleading. PAR. 14. Respondents have offered for sale and sold computer hardware and software to customers in various locations in the United States. In connection with these sales, respondents have represented, directly or by implication, that computer hardware and software sold to customers would be delivered to the customers within a specified period of time or a reasonable period of time. PAR. 15. In truth and in fact, the computer hardware and software referred to in paragraph fourteen that were sold to customers have not in many instances been delivered to them within the specified period of time or within a reasonable period of time. Further, in many instances, respondents have failed to provide refunds of money paid by such customers or have failed to provide them within a reasonable period of time. Therefore, the representation set forth in paragraph fourteen was, and is, false and misleading. PAR. 16. The acts and practices of respondents as alleged above in this complaint constitute unfair or deceptive acts or practices in or affecting commerce in violation of Section 5(a) of the Federal Trade Commission Act.

DECISION AND ORDER The Commission having heretofore issued its complaint charging the respondents named in the caption hereof with violation of Section 5 of the Federal Trade Commission Act, as amended, and the respondents having been served with a copy of that complaint, together with a notice of contemplated relief; and The respondents, their attorney, and counsel for the Commission having thereafter executed an agreement containing a consent order, an admission by the respondents of all the jurisdictional facts set forth in the complaint, a statement that the signing of said agreement is for settlement purposes only and does not constitute an admission by respondents that the law has been violated as alleged in such complaint, or that the facts as alleged in such complaint, other than jurisdictional facts, are true and waivers and other provisions as required by the Commission's Rules; and The Secretary of the Commission having thereafter withdrawn this matter from adjudication in accordance with Section 3.25(c) of its Rules; and Decision and Order 117 F.T.C.

The Commission having considered the matter and having thereupon accepted the executed consent agreement and placed such agreement on the public record for a period of sixty (60) days, and having duly considered the comments filed thereafter by interested persons pursuant to Section 3.25(f) of its Rules, now in further conformity with the procedure prescribed in Section 3.25(f) of its Rules, the Commission hereby makes the following findings and enters the following order. In any action which may be brought under Section 19(a)(2) of the Federal Trade Commission Act, as amended, the said findings shall not be deemed conclusive within the meaning of Section 19(c)(1)(B)(i) of the Federal Trade Commission Act, as amended.

FINDINGS 1. Respondent Del Dotto Enterprises, Inc., ("DDE") is a California corporation whose office and principal place of business is located at 1500 J Street, Modesto, California. Respondent David Del Dotto is president and a shareholder of DDE. Individually or in concert with others, David Del Dotto has formulated, directed, controlled, and/or participated in the business activities, policies, acts, and practices of DDE. Respondent Yolanda Del Dotto is secretary and a shareholder of DDE. Individually or in concert with others, Yolanda Del Dotto has formulated, directed, controlled, and/or participated in the business activities, policies, acts, and practices of DDE. 2. The Federal Trade Commission has jurisdiction of the subject matter of this proceeding and of the respondents, and the proceeding is in the public interest.

3. Respondents have advertised, offered for sale, sold, and distributed products and services, including, but not limited to, a set of books and audio cassette tapes, collectively known as the Cash4 1 5 5 4 0 613 2436 1337 48 -1 5 1 5 5 4 1 613 2436 97 34 96.907639 Flows 1 5 5 4 2 724 2436 170 45 94.404488 System, and computer hardware and software. These products and services were promoted by various means, including, but not limited to, through program-length advertisements and at seminar presentations held at public facilities in various locations in the United States. The Cash Flow System includes information about purchasing real estate and obtaining credit. DEL DOTTO ENTERPRISES, INC., ET AL. 455 446 Decision and Order 4, The acts and practices of respondents described in these findings have been in or affecting commerce, as “commerce” is defined in Section 4 of the Federal Trade Commission Act. 5. Respondents have disseminated or have caused to be disseminated program-length advertisements for the Cash Flow System. These advertisements have included, but are not limited to, programs with the following titles: Financial Freedom and Wealth Building in America Today (Part VI) [hereinafter Financial5 1 3 2 5 9 1712 989 171 35 96.598625 Freedom4 1 3 2 6 0 547 1048 1335 46 -1 5 1 3 2 6 1 547 1048 98 43 86.359268 VI]; Financial Freedom and Wealth Building in America Today (Part V) [hereinafter “Financial Freedom V”’]; Financial Freedom and Wealth Building in America Today (Part IV) [hereinafter Financial4 1 3 2 9 0 544 1224 1336 45 -1 5 1 3 2 9 1 544 1224 175 35 93.213806 Freedom5 1 3 2 9 2 750 1225 98 41 90.145851 IV]; How To Make Nothing But Money; Financial Freedom and Wealth Building in America Today (Part II) {hereinafter Financial5 1 3 2 11 3 1019 1341 174 34 92.955635 Freedom5 1 3 2 11 4 1216 1341 80 42 80.743500 II]; and Financial Freedom and Wealth Building in America Today [hereinafter Financial5 1 3 2 12 8 1777 1400 102 34 92.648125 Free-4 1 3 2 13 0 544 1456 1334 46 -1 5 1 3 2 13 1 544 1456 133 42 88.549606 dom]. These advertisements contain the following statements, among others:

A. “Volume 8 is the government loan book, which teaches you all about government loans, how to get loans for as little as 3% interest, how any homeowner can go out, and immediately get a loan for $17,500, and countless more loan programs that are available to you right now." [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom II, and Financial Freedom] B. “How anybody who owns a home can get a loan for $17,500!" [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom II, and Financial Freedom] C. In5 1 4 3 1 3 757 2075 130 29 96.429443 Volumes 1 4 3 1 4 908 2076 27 33 96.341835 8,5 1 4 3 1 5 955 2076 58 28 96.798843 this5 1 4 3 1 6 1034 2076 24 29 96.908646 is5 1 4 3 1 7 1079 2085 57 20 96.342392 ones 1 4 3 1 8 1156 2076 36 29 96.697235 of5 1 4 3 1 9 1210 2085 49 28 96.145332 my5 1 4 3 1 10 1281 2076 125 30 96.660652 favorite5 1 4 3 1 11 1427 2076 105 34 96.626678 books,5 1 4 3 1 12 1553 2076 129 30 96.607162 because5 1 4 3 1 13 1703 2076 57 30 96.607162 this5 1 4 3 1 14 1781 2077 24 29 96.949463 is5 1 4 3 1 15 1826 2086 51 29 97.013168 my4 1 4 3 2 0 539 2124 1337 40 -1 5 1 4 3 2 1 539 2130 193 31 96.518509 governments 1 4 3 2 2 745 2124 67 30 96.709114 loans 1 4 3 2 3 826 2124 88 30 96.304321 book.5 1 4 3 2 4 940 2125 22 29 96.718658 It5 1 4 3 2 5 975 2124 60 30 96.340492 will5 1 4 3 2 6 1048 2125 85 30 96.987961 teach5 1 4 3 2 7 1145 2134 60 29 97.008728 you5 1 4 3 2 8 1219 2125 38 30 95.357552 all5 1 4 3 2 9 1271 2125 90 30 96.724007 about5 1 4 3 2 10 1373 2126 69 29 96.963234 how5 1 4 3 2 11 1454 2131 30 24 95.825989 to5 1 4 3 2 12 1497 2131 47 33 96.387444 gets 1 4 3 2 13 1558 2126 84 29 96.387444 loans5 1 4 3 2 14 1654 2126 48 29 96.819374 for5 1 4 3 2 15 1714 2135 31 20 94.893707 as5 1 4 3 2 16 1759 2126 72 29 92.563080 little5 1 4 3 2 17 1845 2136 31 19 96.977730 as4 1 4 3 3 0 544 2173 1332 41 -1 5 1 4 3 3 1 544 2174 47 29 96.628326 1%5 1 4 3 3 2 607 2179 30 24 96.628326 to5 1 4 3 3 3 652 2173 51 30 96.963547 3%5 1 4 3 3 4 719 2174 129 34 96.767723 interest;5 1 4 3 3 5 863 2175 58 28 96.910172 ands 1 4 3 3 6 934 2175 99 29 96.369965 where5 1 4 3 3 7 1047 2180 29 24 96.369965 to5 1 4 3 3 8 1091 2184 39 29 96.978256 go5 1 4 3 3 9 1144 2181 29 23 96.984100 to5 1 4 3 3 10 1187 2175 49 29 96.774506 thes 1 4 3 3 11 1251 2181 195 32 96.246956 governments 1 4 3 3 12 1459 2181 30 24 95.529694 to5 1 4 3 3 13 1503 2181 48 32 95.728806 gets 1 4 3 3 14 1566 2176 64 29 50.633629 ‘em.5 1 4 3 3 15 1657 2176 70 29 95.896248 Ands 1 4 3 3 16 1741 2181 51 25 96.980385 not5 1 4 3 3 17 1806 2176 70 38 96.639587 only4 1 4 3 4 0 539 2223 1338 40 -1 5 1 4 3 4 1 539 2223 69 34 96.663757 that,5 1 4 3 4 2 620 2223 67 30 96.748283 how5 1 4 3 4 3 700 2224 99 30 95.933525 would5 1 4 3 4 4 810 2233 58 29 95.933525 you5 1 4 3 4 5 881 2224 58 30 97.006775 likes 1 4 3 4 6 951 2230 29 24 96.700241 to5 1 4 3 4 7 992 2225 75 29 96.279961 have5 1 4 3 4 8 1079 2233 16 21 89.692970 a5 1 4 3 4 9 1107 2225 67 29 89.692970 loans 1 4 3 4 10 1186 2225 47 29 96.588417 for5 1 4 3 4 11 1244 2223 132 37 96.608215 $17,5005 1 4 3 4 12 1387 2231 29 24 97.001930 to5 1 4 3 4 13 1429 2226 127 37 96.305443 upgrades 1 4 3 4 14 1568 2234 74 29 96.858032 yours 1 4 3 4 15 1653 2226 103 34 96.619637 house,5 1 4 3 4 16 1769 2226 57 29 96.619637 ands 1 4 3 4 17 1837 2226 40 30 96.882317 do4 1 4 3 5 0 539 2273 1337 41 -1 5 1 4 3 5 1 539 2273 48 29 96.170921 thes 1 4 3 5 2 598 2274 80 29 96.863693 works 1 4 3 5 3 689 2274 134 37 96.539276 yourself5 1 4 3 5 4 831 2274 56 29 96.428177 ands 1 4 3 5 5 898 2274 125 39 96.384735 actually5 1 4 3 5 6 1034 2280 51 33 96.874657 puts 1 4 3 5 7 1096 2284 107 29 96.772583 moneys 1 4 3 5 8 1216 2275 61 30 96.959373 into5 1 4 3 5 9 1288 2284 74 29 96.917923 yours 1 4 3 5 10 1372 2275 113 39 96.749367 pocket.5 1 4 3 5 11 1507 2275 70 30 96.849281 This5 1 4 3 5 12 1588 2276 121 29 96.778046 volumes 1 4 3 5 13 1720 2275 61 30 96.035950 will5 1 4 3 5 14 1792 2276 84 29 96.035950 show4 1 4 3 6 0 539 2323 939 38 -1 5 1 4 3 6 1 539 2332 59 29 95.254021 you5 1 4 3 6 2 611 2323 68 30 95.254021 how5 1 4 3 6 3 691 2329 31 24 95.793030 to5 1 4 3 6 4 734 2324 39 29 96.400078 do5 1 4 3 6 5 786 2324 84 29 96.256844 that. [Quoted from Financial Freedom II] D. Volumes 1 4 4 1 3 832 2374 16 29 96.980270 35 1 4 4 1 4 863 2374 25 29 96.980270 is5 1 4 4 1 5 901 2383 57 21 96.821930 ones 1 4 4 1 6 970 2374 35 30 96.965118 of5 1 4 4 1 7 1016 2383 48 29 96.740898 my5 1 4 4 1 8 1078 2374 126 30 96.276543 favorite5 1 4 4 1 9 1216 2383 132 21 96.379318 courses.5 1 4 4 1 10 1372 2374 71 30 96.901711 This5 1 4 4 1 11 1456 2375 25 29 96.901711 is5 1 4 4 1 12 1493 2374 48 30 96.749390 thes 1 4 4 1 13 1554 2375 93 29 96.975128 credits 1 4 4 1 14 1658 2384 115 20 96.573647 course.5 1 4 4 1 15 1798 2375 77 29 96.977142 Now4 1 4 4 2 0 539 2423 1337 40 -1 5 1 4 4 2 1 539 2423 78 29 96.939972 what5 1 4 4 2 2 635 2424 11 28 95.138985 I5 1 4 4 2 3 664 2424 85 29 96.273697 teach5 1 4 4 2 4 767 2433 59 29 96.763191 you5 1 4 4 2 5 844 2424 28 29 96.986862 in5 1 4 4 2 6 890 2424 57 30 96.835289 this5 1 4 4 2 7 964 2424 80 30 96.595886 books 1 4 4 2 8 1062 2424 24 30 96.595886 is5 1 4 4 2 9 1104 2424 10 30 96.737244 I5 1 4 4 2 10 1133 2424 84 30 96.764656 teach5 1 4 4 2 11 1234 2433 60 30 96.834732 you5 1 4 4 2 12 1312 2424 68 31 96.650154 how5 1 4 4 2 13 1398 2430 29 24 96.244049 to5 1 4 4 2 14 1444 2430 49 33 96.917023 gets 1 4 4 2 15 1510 2424 79 39 96.402466 goods 1 4 4 2 16 1606 2425 101 30 95.937729 credit.5 1 4 4 2 17 1742 2425 45 30 95.791145 It's5 1 4 4 2 18 1806 2434 70 29 96.785652 very4 1 4 4 3 0 539 2473 1338 39 -1 5 1 4 4 3 1 539 2473 164 38 96.681450 important:5 1 4 4 3 2 717 2474 68 29 96.851082 how5 1 4 4 3 3 796 2480 30 23 96.967293 to5 1 4 4 3 4 836 2475 78 28 96.798073 clears 1 4 4 3 5 925 2484 38 28 96.663841 up5 1 4 4 3 6 975 2484 73 28 96.636734 yours 1 4 4 3 7 1058 2475 135 37 96.845367 negatives 1 4 4 3 8 1205 2475 92 28 96.988411 credits 1 4 4 3 9 1308 2476 57 27 96.818993 ands 1 4 4 3 10 1376 2476 68 28 96.928040 how5 1 4 4 3 11 1456 2480 29 23 93.257408 to5 1 4 4 3 12 1496 2481 204 31 92.390152 co-mortgages 1 4 4 3 13 1713 2476 69 28 96.938766 with5 1 4 4 3 14 1795 2476 82 28 96.406387 other4 1 4 4 4 0 538 2523 1338 39 -1 5 1 4 4 4 1 538 2524 113 36 96.640289 people.5 1 4 4 4 2 673 2524 59 28 96.386864 Not5 1 4 4 4 3 742 2524 70 37 96.386864 only5 1 4 4 4 4 824 2524 66 33 96.928322 that,5 1 4 4 4 5 903 2524 20 29 96.876060 it5 1 4 4 4 6 934 2524 62 29 96.876060 also5 1 4 4 4 7 1006 2524 132 30 96.784302 contains5 1 4 4 4 8 1151 2524 67 30 96.848145 how5 1 4 4 4 9 1230 2530 29 24 96.896446 to5 1 4 4 4 10 1270 2530 49 32 96.792465 gets 1 4 4 4 11 1330 2533 70 21 96.560875 overs 1 4 4 4 12 1411 2523 148 35 96.556694 $100,0005 1 4 4 4 13 1570 2524 35 30 96.990089 of5 1 4 4 4 14 1613 2525 162 29 95.942200 unsecured5 1 4 4 4 15 1786 2524 90 30 96.835991 credit4 1 4 4 5 0 538 2572 1337 39 -1 5 1 4 4 5 1 538 2572 46 30 95.380333 for5 1 4 4 5 2 595 2573 37 29 95.380333 all5 1 4 4 5 3 643 2573 35 29 96.912560 of5 1 4 4 5 4 686 2582 58 29 96.939789 you5 1 4 4 5 5 757 2579 49 23 96.819603 outs 1 4 4 5 6 817 2574 79 28 96.819603 there5 1 4 4 5 7 907 2574 59 29 96.828529 that5 1 4 4 5 8 978 2575 74 28 96.097664 needs 1 4 4 5 9 1063 2574 90 29 97.004944 credits 1 4 4 5 10 1165 2575 109 28 96.187492 cards. [Quoted from Financial Freedom VI and How to Make Nothing But Money] E. Volumes 1 4 5 1 3 814 2669 17 47 94.546852 35 1 4 5 1 4 856 2674 23 29 94.546852 is5 1 4 5 1 5 892 2674 46 29 96.656136 thes 1 4 5 1 6 951 2674 91 29 96.721992 credits 1 4 5 1 7 1053 2683 104 21 97.013702 courses 1 4 5 1 8 1169 2674 61 30 96.920494 that5 1 4 5 1 9 1243 2674 61 29 96.860695 will5 1 4 5 1 10 1318 2674 84 30 96.673668 teach5 1 4 5 1 11 1415 2683 58 29 96.472786 you5 1 4 5 1 12 1486 2674 69 30 96.922569 how5 1 4 5 1 13 1567 2680 31 24 96.924812 to5 1 4 5 1 14 1610 2674 115 38 96.748940 qualify5 1 4 5 1 15 1738 2674 48 30 96.899086 for5 1 4 5 1 16 1797 2674 78 30 96.910362 bank4 1 4 5 2 0 538 2722 1336 39 -1 5 1 4 5 2 1 538 2722 91 33 96.999878 loans,5 1 4 5 2 2 640 2722 67 30 96.598839 how5 1 4 5 2 3 719 2728 29 24 96.635307 to5 1 4 5 2 4 760 2723 137 29 96.426262 establish5 1 4 5 2 5 908 2724 78 37 96.836807 goods 1 4 5 2 6 997 2724 99 33 96.151352 credit,5 1 4 5 2 7 1108 2724 67 29 96.151352 how5 1 4 5 2 8 1187 2729 30 24 93.280777 to5 1 4 5 2 9 1227 2729 202 32 91.947067 co-mortgages 1 4 5 2 10 1441 2724 68 28 96.852287 with5 1 4 5 2 11 1520 2724 82 29 96.715469 others 1 4 5 2 12 1612 2725 115 36 96.866737 people,5 1 4 5 2 13 1739 2725 57 28 96.690056 ands 1 4 5 2 14 1807 2725 67 28 96.956276 how4 1 4 5 3 0 537 2772 1338 39 -1 5 1 4 5 3 1 537 2778 30 23 96.989944 to5 1 4 5 3 2 579 2773 87 38 95.961876 apply5 1 4 5 3 3 679 2772 46 30 96.105133 for5 1 4 5 3 4 736 2782 71 21 96.042892 overs 1 4 5 3 5 818 2772 150 35 96.042892 $100,0005 1 4 5 3 6 979 2773 36 30 96.084846 of5 1 4 5 3 7 1024 2774 163 29 96.807137 unsecured5 1 4 5 3 8 1199 2773 116 30 94.927422 credit. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom II, and Financial Freedom] Decision and Order 117 F.T.C.

F. You're5 1 3 1 1 3 935 581 91 38 96.606155 going5 1 3 1 1 4 1043 587 30 24 96.606155 to5 1 3 1 1 5 1090 582 118 29 96.542931 receives 1 3 1 1 6 1224 582 48 29 96.590881 thes 1 3 1 1 7 1290 583 145 29 69.286980 ‘National5 1 3 1 1 8 1453 584 193 30 96.772995 Foreclosure5 1 3 1 1 9 1663 585 143 29 96.614342 Networks 1 3 1 1 10 1823 586 173 29 96.711845 Wholesale4 1 3 1 2 0 657 631 1340 39 -1 5 1 3 1 2 1 657 631 121 37 94.862740 Buyer's5 1 3 1 2 2 798 631 115 30 26.561996 Guide.’5 1 3 1 2 3 931 632 71 29 96.745491 This5 1 3 1 2 4 1021 632 121 30 96.742882 booklets 1 3 1 2 5 1160 632 136 30 96.784500 contains5 1 3 1 2 6 1315 633 170 30 96.520767 invaluable5 1 3 1 2 7 1503 634 193 30 96.652908 information5 1 3 1 2 8 1715 644 38 21 96.306129 on5 1 3 1 2 9 1773 644 73 21 96.306129 overs 1 3 1 2 10 1867 636 130 34 96.396942 100,0004 1 3 1 3 0 656 680 1340 41 -1 5 1 3 1 3 1 656 680 174 30 96.769257 discounted5 1 3 1 3 2 842 681 179 30 96.378281 foreclosure5 1 3 1 3 3 1033 682 136 30 96.355339 vacations 1 3 1 3 4 1183 682 157 30 96.666527 timeshare5 1 3 1 3 5 1353 683 172 38 96.457474 properties,5 1 3 1 3 6 1538 693 73 20 96.780052 overs 1 3 1 3 7 1627 684 108 35 96.977058 16,0005 1 3 1 3 8 1747 685 163 30 96.927727 resolutions 1 3 1 3 9 1923 692 73 23 97.001167 trust4 1 3 1 4 0 655 731 1340 42 -1 5 1 3 1 4 1 655 731 200 30 96.165642 foreclosures5 1 3 1 4 2 876 731 178 39 96.872925 throughout5 1 3 1 4 3 1074 732 48 29 96.489418 thes 1 3 1 4 4 1143 732 110 35 96.647858 nation,5 1 3 1 4 5 1274 742 72 20 96.635315 overs 1 3 1 4 6 1366 733 80 30 96.760902 30005 1 3 1 4 7 1466 739 48 24 96.390236 tax5 1 3 1 4 8 1535 734 63 30 96.903534 sales 1 3 1 4 9 1618 735 163 38 95.961037 properties5 1 3 1 4 10 1802 735 60 29 97.001167 that5 1 3 1 4 11 1882 745 55 20 96.736633 cans 1 3 1 4 12 1957 736 38 29 96.898857 be4 1 3 1 5 0 655 780 1339 43 -1 5 1 3 1 5 1 655 781 161 38 96.963272 purchased5 1 3 1 5 2 826 781 46 29 96.896797 for5 1 3 1 5 3 881 782 90 29 96.959236 under5 1 3 1 5 4 981 780 107 36 96.644638 $1000,5 1 3 1 5 5 1100 782 57 30 96.814651 ands 1 3 1 5 6 1168 782 145 30 96.385353 hundreds5 1 3 1 5 7 1324 782 35 30 92.175293 of5 1 3 1 5 8 1367 783 75 29 91.369347 V.A.5 1 3 1 5 9 1455 783 103 30 96.632034 homes5 1 3 1 5 10 1570 784 58 29 97.003700 that5 1 3 1 5 11 1639 794 54 20 96.717987 cans 1 3 1 5 12 1704 785 37 29 96.896294 be5 1 3 1 5 13 1752 785 161 38 96.583481 purchased5 1 3 1 5 14 1925 786 69 29 97.009789 with4 1 3 1 6 0 655 829 811 40 -1 5 1 3 1 6 1 655 831 70 38 96.054985 only5 1 3 1 6 2 738 829 105 34 95.464958 $500. [Quoted from Financial Freedom IV] G. Dave5 1 3 2 1 3 894 881 55 30 93.306206 Del5 1 3 2 1 4 960 881 111 31 85.346443 Dotto's5 1 3 2 1 5 1082 882 127 30 96.937401 toll-free5 1 3 2 1 6 1220 883 154 38 96.962135 telephones 1 3 2 1 7 1384 884 179 29 96.520203 consultants5 1 3 2 1 8 1576 893 46 21 96.919487 ares 1 3 2 1 9 1633 885 144 30 96.964188 available5 1 3 2 1 10 1788 891 29 24 97.005890 to5 1 3 2 1 11 1828 886 166 38 96.713898 personally4 1 3 2 2 0 654 931 1338 39 -1 5 1 3 2 2 1 654 931 86 29 96.445801 assists 1 3 2 2 2 750 940 58 29 97.003342 you5 1 3 2 2 3 821 931 28 29 96.261398 in5 1 3 2 2 4 862 932 36 28 95.508018 all5 1 3 2 2 5 910 932 106 29 93.210854 deals. [Quoted from Financial Freedom VI, Financial Freedom V, and Financial Freedom Part IV] H. How5 1 3 3 1 3 905 1037 30 25 95.520805 to5 1 3 3 1 4 951 1037 48 33 96.961281 gets 1 3 3 1 5 1015 1032 84 30 96.892586 loans5 1 3 3 1 6 1115 1032 48 30 96.880066 for5 1 3 3 1 7 1177 1041 32 21 96.626053 as5 1 3 3 1 8 1226 1032 73 30 96.846970 little5 1 3 3 1 9 1316 1042 31 21 96.993172 as5 1 3 3 1 10 1364 1034 51 29 96.971756 3%5 1 3 3 1 11 1433 1034 145 30 94.567917 interest. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, Financial Freedom II, and Financial Freedom] I. Now5 1 3 4 1 3 895 1182 130 30 96.497650 Volumes 1 3 4 1 4 1044 1182 26 35 96.727600 8,5 1 3 4 1 5 1090 1183 56 29 96.977684 this5 1 3 4 1 6 1165 1183 25 29 96.977684 is5 1 3 4 1 7 1209 1192 57 21 96.952431 ones 1 3 4 1 8 1285 1183 35 30 96.733589 of5 1 3 4 1 9 1335 1193 50 28 96.974930 my5 1 3 4 1 10 1402 1184 127 30 96.904724 favorite5 1 3 4 1 11 1548 1184 106 35 96.852211 books,5 1 3 4 1 12 1673 1185 129 30 96.758537 because5 1 3 4 1 13 1820 1186 57 29 97.012558 this5 1 3 4 1 14 1897 1186 24 29 95.998055 is5 1 3 4 1 15 1940 1195 51 29 96.871521 my4 1 3 4 2 0 651 1232 1339 40 -1 5 1 3 4 2 1 651 1238 193 31 96.471672 governments 1 3 4 2 2 857 1232 67 30 96.654320 loans 1 3 4 2 3 937 1232 88 30 96.428696 book.5 1 3 4 2 4 1049 1233 24 29 96.874115 It5 1 3 4 2 5 1085 1232 61 30 96.048599 will5 1 3 4 2 6 1160 1233 84 30 96.938850 teach5 1 3 4 2 7 1258 1242 58 29 96.997459 you5 1 3 4 2 8 1330 1234 38 29 96.697014 all5 1 3 4 2 9 1382 1234 90 29 96.772240 about5 1 3 4 2 10 1483 1234 70 29 96.944366 how5 1 3 4 2 11 1566 1240 30 24 96.332520 to5 1 3 4 2 12 1608 1241 49 31 96.337265 gets 1 3 4 2 13 1670 1235 84 30 96.927353 loans5 1 3 4 2 14 1768 1235 47 31 96.927353 for5 1 3 4 2 15 1827 1244 31 22 96.855080 as5 1 3 4 2 16 1872 1236 73 30 96.824028 little5 1 3 4 2 17 1957 1245 33 21 96.865349 as4 1 3 4 3 0 651 1281 1340 42 -1 5 1 3 4 3 1 651 1282 41 29 96.124443 1%5 1 3 4 3 2 706 1287 31 24 96.507553 to5 1 3 4 3 3 749 1281 51 30 96.831924 3%5 1 3 4 3 4 814 1282 127 29 95.066330 interest.5 1 3 4 3 5 965 1283 78 28 96.849152 How5 1 3 4 3 6 1055 1283 140 37 96.399231 anybody5 1 3 4 3 7 1207 1292 55 20 96.286217 cans 1 3 4 3 8 1276 1292 49 28 96.878693 go,5 1 3 4 3 9 1338 1292 39 28 96.954437 go5 1 3 4 3 10 1390 1289 28 24 96.954437 to5 1 3 4 3 11 1432 1283 49 30 96.677559 thes 1 3 4 3 12 1492 1291 197 30 96.283386 governments 1 3 4 3 13 1702 1286 58 28 96.812508 ands 1 3 4 3 14 1772 1291 49 32 95.290039 gets 1 3 4 3 15 1834 1295 16 19 95.290039 a5 1 3 4 3 16 1862 1286 69 28 96.175934 loans 1 3 4 3 17 1943 1286 48 28 96.767311 fora 1 3 4 4 0 650 1329 1340 44 -1 5 1 3 4 4 1 650 1329 132 36 96.779770 $17,5005 1 3 4 4 2 794 1337 30 24 96.565254 to5 1 3 4 4 3 836 1332 130 37 96.608047 upgrades 1 3 4 4 4 979 1332 74 29 96.783394 theirs 1 3 4 4 5 1064 1332 104 34 96.950096 house,5 1 3 4 4 6 1182 1333 56 29 96.858719 ands 1 3 4 4 7 1251 1342 60 29 96.858719 you5 1 3 4 4 8 1324 1342 54 20 96.776878 cans 1 3 4 4 9 1391 1333 129 38 96.776878 actually5 1 3 4 4 10 1532 1339 52 32 97.011993 puts 1 3 4 4 11 1597 1343 109 29 96.350815 moneys 1 3 4 4 12 1720 1334 62 30 96.659775 into5 1 3 4 4 13 1794 1343 75 29 97.014900 yours 1 3 4 4 14 1881 1335 109 38 96.493080 pocket4 1 3 4 5 0 650 1381 1339 41 -1 5 1 3 4 5 1 650 1381 93 29 96.722366 under5 1 3 4 5 2 755 1381 57 29 96.776871 this5 1 3 4 5 3 826 1390 146 29 96.900543 program.5 1 3 4 5 4 997 1381 98 34 96.760498 Folks,5 1 3 4 5 5 1109 1382 57 29 96.951088 this5 1 3 4 5 6 1180 1382 61 29 96.356758 will5 1 3 4 5 7 1255 1383 64 28 96.341911 also5 1 3 4 5 8 1332 1383 84 28 95.971016 shows 1 3 4 5 9 1429 1392 59 28 96.719650 you5 1 3 4 5 10 1503 1383 68 29 96.663254 how5 1 3 4 5 11 1585 1389 29 24 96.956001 to5 1 3 4 5 12 1627 1389 49 32 96.640305 gets 1 3 4 5 13 1690 1384 48 29 96.588570 thes 1 3 4 5 14 1750 1390 196 32 96.941261 governments 1 3 4 5 15 1959 1389 30 25 96.343460 to4 1 3 4 6 0 650 1431 1336 40 -1 5 1 3 4 6 1 650 1431 86 28 96.785210 makes 1 3 4 6 2 750 1431 38 28 96.139259 all5 1 3 4 6 3 802 1440 74 28 96.331696 yours 1 3 4 6 4 889 1437 154 32 96.331696 payments5 1 3 4 6 5 1057 1440 38 20 96.406410 on5 1 3 4 6 6 1109 1440 75 29 96.739540 yours 1 3 4 6 7 1196 1432 162 38 96.739540 properties5 1 3 4 6 8 1373 1432 126 38 96.529053 through5 1 3 4 6 9 1513 1432 122 30 96.873405 Sections 1 3 4 6 10 1650 1434 16 28 96.958298 85 1 3 4 6 11 1681 1434 129 37 96.854813 housing5 1 3 4 6 12 1823 1443 163 28 96.906288 programs.4 1 3 4 7 0 649 1480 1339 38 -1 5 1 3 4 7 1 649 1481 46 28 92.730774 It's5 1 3 4 7 2 710 1480 146 30 96.612801 available5 1 3 4 7 3 869 1481 190 37 96.516678 everywhere5 1 3 4 7 4 1073 1481 29 29 96.583603 in5 1 3 4 7 5 1117 1482 165 29 94.921257 America. [Quoted from Financial Freedom VI and How to Make Nothing But Money] J. You5 1 3 5 1 3 871 1589 55 20 96.635239 cans 1 3 5 1 4 938 1581 39 29 96.918068 do5 1 3 5 1 5 991 1581 77 29 96.195213 what5 1 3 5 1 6 1081 1581 148 29 96.195213 hundreds5 1 3 5 1 7 1243 1581 35 29 96.543594 of5 1 3 5 1 8 1288 1581 163 30 96.697441 thousands5 1 3 5 1 9 1464 1581 35 30 96.954033 of5 1 3 5 1 10 1509 1582 98 29 96.944473 others5 1 3 5 1 11 1621 1591 48 20 96.992836 ares 1 3 5 1 12 1682 1582 102 38 96.894577 doing,5 1 3 5 1 13 1798 1592 59 28 96.612114 you5 1 3 5 1 14 1870 1592 55 19 96.774170 cans 1 3 5 1 15 1939 1589 49 32 96.495369 get4 1 3 5 2 0 649 1630 1338 40 -1 5 1 3 5 2 1 649 1630 117 34 96.651405 wealth,5 1 3 5 2 2 783 1630 137 38 96.959915 security,5 1 3 5 2 3 935 1630 141 30 96.711311 financial5 1 3 5 2 4 1092 1631 135 29 96.159210 freedom5 1 3 5 2 5 1243 1632 58 28 96.662994 ands 1 3 5 2 6 1315 1641 92 28 96.706993 peace5 1 3 5 2 7 1423 1631 48 30 96.965919 for5 1 3 5 2 8 1484 1632 48 29 96.965919 thes 1 3 5 2 9 1549 1638 57 23 96.949127 rests 1 3 5 2 10 1621 1632 36 30 96.992409 of5 1 3 5 2 11 1669 1641 75 29 97.003166 yours 1 3 5 2 12 1758 1632 78 30 87.009506 life. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, and Financial Freedom II} K. Overs 1 3 6 1 3 888 1779 129 33 96.331108 500,0005 1 3 6 1 4 1029 1780 116 37 96.619904 people,5 1 3 6 1 5 1153 1779 61 38 96.967278 just5 1 3 6 1 6 1227 1779 58 30 96.164993 likes 1 3 6 1 7 1298 1780 46 29 96.566299 thes 1 3 6 1 8 1357 1788 71 21 97.008575 ones5 1 3 6 1 9 1441 1789 58 28 96.984940 you5 1 3 6 1 10 1513 1789 50 20 96.992439 sees 1 3 6 1 11 1575 1789 38 20 96.439697 on5 1 3 6 1 12 1627 1781 55 28 96.439697 this5 1 3 6 1 13 1695 1781 156 29 96.876907 televisions 1 3 6 1 14 1864 1782 121 37 96.914993 special,4 1 3 6 2 0 646 1828 1339 39 -1 5 1 3 6 2 1 646 1828 76 29 96.807518 have5 1 3 6 2 2 739 1828 127 29 96.488190 becomes 1 3 6 2 3 883 1828 68 29 96.779945 avid5 1 3 6 2 4 967 1829 85 28 96.363472 Dave5 1 3 6 2 5 1069 1829 56 28 96.602608 Del5 1 3 6 2 6 1143 1829 92 29 96.832886 Dotto5 1 3 6 2 7 1252 1830 142 33 96.519165 students,5 1 3 6 2 8 1413 1830 57 28 96.184273 ands 1 3 6 2 9 1487 1830 191 37 96.610115 participants5 1 3 6 2 10 1695 1830 29 29 96.734810 in5 1 3 6 2 11 1741 1830 46 30 95.954803 his5 1 3 6 2 12 1805 1831 80 29 96.281143 Cash5 1 3 6 2 13 1903 1831 82 29 96.774742 Flow4 1 3 6 3 0 646 1878 1339 39 -1 5 1 3 6 3 1 646 1878 129 36 96.180344 System,5 1 3 6 3 2 794 1878 48 28 96.522797 thes 1 3 6 3 3 859 1884 78 23 96.265671 most5 1 3 6 3 4 955 1878 138 37 96.665359 dynamics 1 3 6 3 5 1111 1878 107 29 96.817909 wealth5 1 3 6 3 6 1236 1878 135 38 96.441330 buildings 1 3 6 3 7 1388 1879 90 29 96.348328 homes 1 3 6 3 8 1496 1880 87 37 96.460594 study5 1 3 6 3 9 1601 1888 106 20 96.880081 courses 1 3 6 3 10 1725 1880 147 29 96.747536 available5 1 3 6 3 11 1890 1880 29 29 96.747536 in5 1 3 6 3 12 1937 1881 48 28 96.994049 thea 1 3 6 4 0 646 1927 1339 40 -1 5 1 3 6 4 1 646 1933 120 31 96.695557 country5 1 3 6 4 2 779 1927 96 37 96.169701 today.5 1 3 6 4 3 900 1927 10 29 88.966415 I5 1 3 6 4 4 923 1927 82 29 96.254509 thinks 1 3 6 4 5 1018 1927 43 29 96.679787 it's5 1 3 6 4 6 1075 1927 158 39 96.569283 important5 1 3 6 4 7 1245 1934 30 23 96.482246 to5 1 3 6 4 8 1288 1928 89 29 96.788803 knows 1 3 6 4 9 1390 1929 60 28 96.965858 that5 1 3 6 4 10 1462 1938 59 28 96.739662 you5 1 3 6 4 11 1534 1938 56 20 96.214302 cans 1 3 6 4 12 1603 1929 40 29 96.214302 do5 1 3 6 4 13 1655 1929 117 38 96.828621 exactly5 1 3 6 4 14 1785 1930 79 28 96.907539 what5 1 3 6 4 15 1876 1930 109 37 91.714577 they're4 1 3 6 5 0 645 1976 1340 41 -1 5 1 3 6 5 1 645 1976 99 38 96.989952 doing,5 1 3 6 5 2 756 1977 57 28 96.801331 ands 1 3 6 5 3 823 1986 40 28 96.966728 go5 1 3 6 5 4 874 1986 37 20 96.691528 on5 1 3 6 5 5 922 1982 31 23 96.691528 to5 1 3 6 5 6 963 1977 122 29 96.579521 achieves 1 3 6 5 7 1096 1986 74 28 96.163841 yours 1 3 6 5 8 1180 1977 125 34 96.751770 dreams,5 1 3 6 5 9 1318 1978 57 29 96.836189 ands 1 3 6 5 10 1386 1978 184 29 96.618172 accumulate5 1 3 6 5 11 1582 1987 30 21 96.874664 as5 1 3 6 5 12 1625 1979 87 29 96.721786 much5 1 3 6 5 13 1725 1979 106 29 96.148689 wealth5 1 3 6 5 14 1843 1988 31 20 97.004677 as5 1 3 6 5 15 1886 1980 99 37 95.761665 you're4 1 3 6 6 0 646 2025 1337 38 -1 5 1 3 6 6 1 646 2025 112 38 96.473846 willing5 1 3 6 6 2 772 2031 30 24 96.359634 to5 1 3 6 6 3 815 2027 82 29 96.706314 works 1 3 6 6 4 910 2026 71 30 92.049698 for. [Quoted from Financial Freedom VI, Financial Freedom V, Financial Freedom IV, How to Make Nothing But Money, and Financial Freedom IT] L. We're5 1 3 7 1 3 894 2175 67 29 96.865150 here5 1 3 7 1 4 974 2176 87 37 96.953049 today5 1 3 7 1 5 1074 2181 27 24 97.009567 at5 1 3 7 1 6 1113 2185 57 20 96.992630 ones 1 3 7 1 7 1182 2175 35 30 96.477806 of5 1 3 7 1 8 1225 2185 55 20 96.477806 ours 1 3 7 1 9 1290 2176 127 30 96.415611 national5 1 3 7 1 10 1432 2177 142 29 96.766174 seminars5 1 3 7 1 11 1586 2178 57 28 96.347084 ands 1 3 7 1 12 1655 2178 12 28 96.436943 I5 1 3 7 1 13 1679 2178 116 28 96.814560 wanted5 1 3 7 1 14 1807 2183 29 23 97.010201 to5 1 3 7 1 15 1848 2178 66 29 96.278435 takes 1 3 7 1 16 1927 2178 56 29 96.493927 this4 1 3 7 2 0 644 2224 1339 42 -1 5 1 3 7 2 1 644 2224 191 39 96.504440 opportunity5 1 3 7 2 2 850 2231 31 23 95.634056 to5 1 3 7 2 3 897 2225 83 29 96.216530 shows 1 3 7 2 4 997 2235 58 28 96.797989 you5 1 3 7 2 5 1072 2226 68 28 96.336388 how5 1 3 7 2 6 1156 2226 109 37 96.886017 peoples 1 3 7 2 7 1280 2226 78 29 95.998627 from5 1 3 7 2 8 1375 2226 112 29 96.540398 around5 1 3 7 2 9 1503 2226 48 30 96.590225 thes 1 3 7 2 10 1568 2226 99 31 97.008575 nations 1 3 7 2 11 1685 2236 48 21 97.014076 ares 1 3 7 2 12 1749 2227 101 39 97.006111 taking5 1 3 7 2 13 1866 2227 71 30 96.025307 times 1 3 7 2 14 1953 2233 30 24 96.025307 to4 1 3 7 3 0 643 2275 1341 39 -1 5 1 3 7 3 1 643 2283 88 21 96.566223 comes 1 3 7 3 2 748 2280 30 24 96.916733 to5 1 3 7 3 3 795 2275 82 29 96.364975 these5 1 3 7 3 4 895 2275 142 30 96.466026 seminars5 1 3 7 3 5 1055 2275 57 30 96.669441 ands 1 3 7 3 6 1130 2276 79 29 96.430710 learns 1 3 7 3 7 1228 2276 68 29 95.885750 how5 1 3 7 3 8 1313 2281 30 24 95.885750 to5 1 3 7 3 9 1360 2276 186 38 95.821686 accomplish5 1 3 7 3 10 1564 2277 75 29 96.537071 theirs 1 3 7 3 11 1655 2277 95 37 96.480621 goals,5 1 3 7 3 12 1768 2277 124 30 96.412819 achieves 1 3 7 3 13 1909 2277 75 30 96.355667 their4 1 3 7 4 0 643 2325 1343 40 -1 5 1 3 7 4 1 643 2325 116 28 96.618988 dreams5 1 3 7 4 2 774 2325 58 29 96.487411 ands 1 3 7 4 3 846 2325 67 37 96.768402 gains 1 3 7 4 4 928 2325 106 29 96.987144 wealth5 1 3 7 4 5 1048 2325 135 38 96.429115 buildings 1 3 7 4 6 1197 2326 188 37 95.487015 knowledge.5 1 3 7 4 7 1411 2326 97 30 96.757507 These5 1 3 7 4 8 1522 2335 48 21 96.757645 ares 1 3 7 4 9 1583 2327 108 38 96.765152 peoples 1 3 7 4 10 1701 2327 62 38 96.915688 just5 1 3 7 4 11 1776 2327 59 29 96.978638 likes 1 3 7 4 12 1849 2328 137 37 96.977798 yourself4 1 3 7 5 0 643 2374 1337 40 -1 5 1 3 7 5 1 643 2374 115 30 96.583298 who've5 1 3 7 5 2 777 2375 86 29 96.765419 made5 1 3 7 5 3 882 2375 47 29 96.240265 thes 1 3 7 5 4 946 2375 135 29 96.819397 decisions 1 3 7 5 5 1099 2380 30 24 96.890976 to5 1 3 7 5 6 1146 2375 105 38 96.890976 finally5 1 3 7 5 7 1270 2385 38 28 96.991806 go5 1 3 7 5 8 1326 2376 47 29 96.991806 for5 1 3 7 5 9 1390 2376 20 28 93.180573 it5 1 3 7 5 10 1427 2393 11 4 93.049423 -5 1 3 7 5 11 1456 2381 29 24 96.768143 to5 1 3 7 5 12 1502 2376 106 38 96.768143 finally5 1 3 7 5 13 1627 2385 39 29 96.894447 go5 1 3 7 5 14 1684 2376 46 30 97.003960 for5 1 3 7 5 15 1747 2376 74 30 96.662720 theirs 1 3 7 5 16 1837 2377 143 30 95.111107 dreams. [Quoted from Financial Freedom V and II] M. Hello,5 1 3 8 1 3 919 2475 49 28 95.331848 I'm5 1 3 8 1 4 983 2476 85 27 96.676826 Dave5 1 3 8 1 5 1082 2476 57 28 95.993843 Del5 1 3 8 1 6 1154 2476 101 28 96.411896 Dotto.5 1 3 8 1 7 1283 2476 109 28 96.167763 Would5 1 3 8 1 8 1407 2485 59 28 96.972992 you5 1 3 8 1 9 1481 2476 69 37 96.362915 gives 1 3 8 1 10 1565 2485 38 29 96.667580 up5 1 3 8 1 11 1618 2476 86 38 96.476532 thirty5 1 3 8 1 12 1719 2477 128 29 96.492287 minutes5 1 3 8 1 13 1862 2476 36 30 96.272987 of5 1 3 8 1 14 1908 2486 75 28 96.272987 your4 1 3 8 2 0 643 2524 1339 40 -1 5 1 3 8 2 1 643 2524 69 30 96.968704 times 1 3 8 2 2 725 2524 24 29 93.573792 if5 1 3 8 2 3 758 2524 21 29 93.573792 it5 1 3 8 2 4 790 2524 88 30 96.425880 could5 1 3 8 2 5 889 2524 113 38 96.425880 changes 1 3 8 2 6 1015 2534 74 29 96.849174 yours 1 3 8 2 7 1100 2524 51 30 96.970642 life5 1 3 8 2 8 1164 2524 77 30 96.626297 from5 1 3 8 2 9 1253 2525 77 29 96.619637 what5 1 3 8 2 10 1343 2534 57 29 96.943359 you5 1 3 8 2 11 1414 2525 75 29 96.820557 have5 1 3 8 2 12 1502 2535 67 20 96.821449 now5 1 3 8 2 13 1582 2532 29 23 96.996201 to5 1 3 8 2 14 1624 2526 48 29 96.801987 thes 1 3 8 2 15 1685 2526 51 29 96.987534 life5 1 3 8 2 16 1749 2527 59 28 96.965935 that5 1 3 8 2 17 1819 2535 58 29 96.919785 you5 1 3 8 2 18 1891 2527 91 37 96.502983 really4 1 3 8 3 0 643 2574 1338 40 -1 5 1 3 8 3 1 643 2579 78 24 97.013000 wants 1 3 8 3 2 734 2579 29 24 96.767937 to5 1 3 8 3 3 778 2574 76 29 94.820724 live?5 1 3 8 3 4 878 2575 110 29 94.820724 Would5 1 3 8 3 5 1000 2584 59 28 96.513626 you5 1 3 8 3 6 1074 2575 68 38 96.836685 gives 1 3 8 3 7 1157 2584 38 29 96.470078 up5 1 3 8 3 8 1208 2575 87 38 96.989334 thirty5 1 3 8 3 9 1309 2575 127 30 96.267334 minutes5 1 3 8 3 10 1450 2575 35 30 96.557030 of5 1 3 8 3 11 1495 2584 76 29 96.587166 yours 1 3 8 3 12 1582 2576 71 29 96.504929 times 1 3 8 3 13 1667 2575 26 30 96.300865 if5 1 3 8 3 14 1703 2576 20 29 96.300865 it5 1 3 8 3 15 1737 2581 99 24 96.590202 meant5 1 3 8 3 16 1849 2577 60 28 96.597618 that5 1 3 8 3 17 1921 2585 60 29 96.485611 you4 1 3 8 4 0 642 2624 1339 39 -1 5 1 3 8 4 1 642 2624 88 29 96.519966 could5 1 3 8 4 2 740 2633 57 29 96.923248 pays 1 3 8 4 3 808 2624 48 29 94.938065 offs 1 3 8 4 4 864 2624 37 29 94.938065 all5 1 3 8 4 5 913 2633 73 29 96.451111 yours 1 3 8 4 6 996 2624 77 34 96.808479 bills,5 1 3 8 4 7 1086 2625 58 37 96.919266 buys 1 3 8 4 8 1156 2625 48 29 97.006348 thes 1 3 8 4 9 1216 2625 92 29 96.218361 houses 1 3 8 4 10 1320 2626 56 28 96.218361 ands 1 3 8 4 11 1387 2626 48 28 96.998009 thes 1 3 8 4 12 1446 2634 49 20 96.360184 cars 1 3 8 4 13 1505 2626 105 37 96.734673 you've5 1 3 8 4 14 1622 2626 111 37 96.311310 always5 1 3 8 4 15 1746 2626 115 29 96.311310 wanted5 1 3 8 4 16 1872 2632 29 24 96.882027 to5 1 3 8 4 17 1912 2635 69 21 96.945976 own4 1 3 8 5 0 642 2674 1339 39 -1 5 1 3 8 5 1 642 2674 56 29 96.557205 ands 1 3 8 5 2 710 2674 75 29 96.377731 have5 1 3 8 5 3 797 2674 47 30 96.377731 thes 1 3 8 5 4 856 2674 139 30 96.471115 financial5 1 3 8 5 5 1009 2674 132 30 96.492188 freedom5 1 3 8 5 6 1154 2675 105 38 96.424522 you've5 1 3 8 5 7 1273 2676 109 37 96.696976 always5 1 3 8 5 8 1395 2676 136 28 96.437996 wanted?5 1 3 8 5 9 1555 2676 31 28 96.175171 In5 1 3 8 5 10 1599 2676 48 29 96.175171 thes 1 3 8 5 11 1661 2682 68 23 96.323105 next5 1 3 8 5 12 1742 2676 87 37 96.572990 thirty5 1 3 8 5 13 1843 2677 138 33 96.669556 minutes,4 1 3 8 6 0 642 2724 1337 40 -1 5 1 3 8 6 1 642 2724 50 29 96.649757 I'm5 1 3 8 6 2 706 2724 91 37 96.633476 going5 1 3 8 6 3 811 2730 29 23 96.548782 to5 1 3 8 6 4 854 2725 84 28 96.719482 shows 1 3 8 6 5 952 2725 68 29 96.628365 how5 1 3 8 6 6 1033 2734 59 28 96.671867 you5 1 3 8 6 7 1106 2734 55 20 96.406158 cans 1 3 8 6 8 1175 2725 40 29 96.573471 do5 1 3 8 6 9 1229 2725 81 29 96.447708 these5 1 3 8 6 10 1324 2725 108 38 96.711540 things.5 1 3 8 6 11 1458 2725 50 29 96.611557 I'm5 1 3 8 6 12 1522 2734 75 21 96.646172 even5 1 3 8 6 13 1612 2726 91 38 96.902435 going5 1 3 8 6 14 1718 2731 30 24 96.694496 to5 1 3 8 6 15 1762 2731 157 33 96.938980 guarantees 1 3 8 6 16 1933 2726 46 29 87.893402 it. [Quoted from Financial Freedom] N. Those5 1 3 9 1 3 896 2833 46 20 96.952713 ares 1 3 9 1 4 953 2824 105 38 96.679367 peoples 1 3 9 1 5 1070 2824 57 29 96.403168 likes 1 3 9 1 6 1138 2833 59 29 96.755211 you5 1 3 9 1 7 1209 2825 56 28 96.927246 ands 1 3 9 1 8 1277 2833 55 24 96.642929 me,5 1 3 9 1 9 1345 2825 56 29 96.990219 ands 1 3 9 1 10 1412 2825 78 29 96.961815 there5 1 3 9 1 11 1501 2834 48 20 96.672104 ares 1 3 9 1 12 1560 2825 158 29 96.166283 thousands5 1 3 9 1 13 1731 2834 80 20 96.712250 more5 1 3 9 1 14 1823 2825 57 29 96.664009 likes 1 3 9 1 15 1891 2826 88 28 95.847809 them.4 1 3 9 2 0 640 2875 1340 38 -1 5 1 3 9 2 1 640 2875 52 27 96.276009 Lets 1 3 9 2 2 703 2883 47 19 96.777863 me5 1 3 9 2 3 762 2875 52 28 95.907974 asks 1 3 9 2 4 825 2883 58 28 95.938354 you5 1 3 9 2 5 895 2875 185 36 96.272163 something?5 1 3 9 2 6 1100 2875 59 29 96.947289 Did5 1 3 9 2 7 1171 2884 57 28 96.578949 you5 1 3 9 2 8 1241 2875 81 28 96.357147 thinks 1 3 9 2 9 1333 2875 84 29 96.682961 those5 1 3 9 2 10 1429 2875 106 37 96.395538 peoples 1 3 9 2 11 1548 2884 47 20 96.395538 ares 1 3 9 2 12 1606 2884 57 28 96.272568 any5 1 3 9 2 13 1675 2875 138 30 96.918320 different5 1 3 9 2 14 1824 2875 67 30 96.539719 than5 1 3 9 2 15 1903 2875 77 38 96.141167 you? DEL DOTTO ENTERPRISES, INC., ET AL. 457 446 Decision and Order Well let me tell you, they're not. They only did one thing that you haven't done, they called the 800 number that you see on the screen. They called these operators and they bought this Cash Flow System. And they did it for less money than it costs for the average portable color television set. They bought themselves financial freedom for the rest of their lives. This Cash Flow System is an informative collection of books and tapes that took years to develop. It works for anybody who is willing to use it. And the proof is in the fact that my students are from all walks of life, housewives, teenagers, lawyers, school teachers, immigrants, married couples, single people, even Harvard graduates." [Quoted from Financial Freedom] O. So5 1 3 2 1 3 752 1112 12 28 94.392937 I5 1 3 2 1 4 776 1111 100 29 96.488609 would5 1 3 2 1 5 889 1116 121 33 96.264305 suggests 1 3 2 1 6 1021 1109 173 39 96.554398 everybody5 1 3 2 1 7 1208 1109 76 37 96.737511 rights 1 3 2 1 8 1297 1116 67 21 96.740280 now5 1 3 2 1 9 1378 1112 49 34 96.740280 gets 1 3 2 1 10 1440 1107 61 30 96.881966 into5 1 3 2 1 11 1514 1107 49 29 96.895294 thes 1 3 2 1 12 1575 1106 138 29 96.683838 business5 1 3 2 1 13 1726 1105 76 38 96.867050 rights 1 3 2 1 14 1814 1113 68 21 96.980515 now4 1 3 2 2 0 547 1156 1117 44 -1 5 1 3 2 2 1 547 1163 25 29 96.908157 if5 1 3 2 2 2 581 1172 59 28 96.475662 you5 1 3 2 2 3 653 1168 78 23 96.475662 wants 1 3 2 2 4 743 1168 30 23 96.828697 to5 1 3 2 2 5 786 1161 86 30 96.828697 makes 1 3 2 2 6 885 1169 16 21 95.643036 a5 1 3 2 2 7 912 1160 142 30 70.008987 fortune. [Quoted from Financial Freedom II] P. If5 1 3 3 1 3 725 1212 99 38 94.669693 you're5 1 3 3 1 4 835 1211 91 37 94.669693 really5 1 3 3 1 5 940 1211 114 29 96.526726 sincere5 1 3 3 1 6 1067 1210 90 29 96.883858 about5 1 3 3 1 7 1169 1208 121 38 96.550987 making5 1 3 3 1 8 1303 1217 120 29 96.813385 money,5 1 3 3 1 9 1436 1207 48 30 97.022934 thes 1 3 3 1 10 1498 1215 110 29 97.005699 moneys 1 3 3 1 11 1621 1206 60 30 97.007912 that5 1 3 3 1 12 1693 1214 59 30 96.986717 you5 1 3 3 1 13 1765 1205 76 31 96.723877 needs 1 3 3 1 14 1853 1210 30 25 97.015648 to4 1 3 3 2 0 547 1255 1336 45 -1 5 1 3 3 2 1 547 1262 124 30 96.386589 achieves 1 3 3 2 2 684 1271 75 29 96.950996 yours 1 3 3 2 3 771 1262 94 37 96.924522 goals,5 1 3 3 2 4 878 1261 67 29 96.942169 then5 1 3 3 2 5 959 1269 59 30 96.684517 you5 1 3 3 2 6 1032 1259 88 30 96.684517 won't5 1 3 3 2 7 1133 1259 75 30 96.864082 needs 1 3 3 2 8 1222 1267 16 21 96.800995 a5 1 3 3 2 9 1251 1263 167 33 96.948524 guarantee.5 1 3 3 2 10 1444 1257 57 30 96.526230 But5 1 3 3 2 11 1514 1257 21 30 96.518715 it5 1 3 3 2 12 1548 1256 60 30 95.959274 will5 1 3 3 2 13 1622 1256 39 30 96.877884 do5 1 3 3 2 14 1675 1256 47 30 96.887085 for5 1 3 3 2 15 1733 1265 59 29 96.914558 you5 1 3 3 2 16 1806 1255 77 29 96.993454 what4 1 3 3 3 0 547 1305 1334 40 -1 5 1 3 3 3 1 547 1313 20 29 96.972237 it5 1 3 3 3 2 582 1313 52 29 96.972237 did5 1 3 3 3 3 649 1313 47 28 96.995659 for5 1 3 3 3 4 712 1321 46 20 96.995659 me5 1 3 3 3 5 775 1312 55 29 96.580170 ands 1 3 3 3 6 846 1311 78 29 96.844299 what5 1 3 3 3 7 938 1310 21 30 97.004868 it5 1 3 3 3 8 973 1310 74 29 96.725891 does5 1 3 3 3 9 1063 1310 48 29 96.976280 for5 1 3 3 3 10 1125 1309 162 29 96.060608 thousands5 1 3 3 3 11 1303 1307 36 31 96.883255 of5 1 3 3 3 12 1351 1308 107 37 96.376404 peoples 1 3 3 3 13 1474 1307 180 37 96.497032 throughout5 1 3 3 3 14 1669 1306 49 29 96.762138 thes 1 3 3 3 15 1732 1305 149 37 95.473213 country. [Quoted from How to Make Nothing But Money] Q. I5 1 3 4 1 3 724 1410 100 30 94.927406 would5 1 3 4 1 4 836 1409 202 33 96.662964 recommend,5 1 3 4 1 5 1051 1408 48 30 96.885956 for5 1 3 4 1 6 1111 1408 140 37 96.761856 anybody5 1 3 4 1 7 1265 1413 51 24 96.951218 outs 1 3 4 1 8 1328 1407 90 33 96.919899 there,5 1 3 4 1 9 1432 1407 118 29 95.892883 believes 1 3 4 1 10 1564 1415 57 24 96.454437 me,5 1 3 4 1 11 1635 1405 87 29 96.642052 when5 1 3 4 1 12 1735 1405 12 29 96.353294 I5 1 3 4 1 13 1760 1404 49 30 96.755531 tells 1 3 4 1 14 1823 1413 59 29 97.004089 you4 1 3 4 2 0 545 1454 1340 43 -1 5 1 3 4 2 1 545 1461 66 33 95.454521 this,5 1 3 4 2 2 630 1461 5 29 81.917404 I5 1 3 4 2 3 647 1461 85 29 96.577942 knew5 1 3 4 2 4 746 1460 120 37 96.827164 nothing5 1 3 4 2 5 879 1459 88 29 96.962624 about5 1 3 4 2 6 978 1458 58 30 96.892670 real5 1 3 4 2 7 1049 1464 91 24 96.811340 estates 1 3 4 2 8 1153 1463 60 24 97.001656 two5 1 3 4 2 9 1225 1466 83 29 96.974571 years5 1 3 4 2 10 1321 1465 65 29 96.514626 ago.5 1 3 4 2 11 1410 1456 48 29 96.727150 Go5 1 3 4 2 12 1469 1455 48 30 93.528603 for5 1 3 4 2 13 1528 1455 29 30 93.528603 it.5 1 3 4 2 14 1581 1455 123 30 96.950623 Believes 1 3 4 2 15 1716 1463 57 25 96.365669 me,5 1 3 4 2 16 1786 1463 40 29 95.713379 go5 1 3 4 2 17 1836 1454 49 29 95.713379 fora 1 3 4 3 0 547 1504 1335 41 -1 5 1 3 4 3 1 547 1511 31 28 86.170883 it!5 1 3 4 3 2 607 1510 58 30 95.514091 Gets 1 3 4 3 3 679 1511 49 28 96.983574 thes 1 3 4 3 4 741 1509 178 36 96.137833 knowledge5 1 3 4 3 5 932 1509 60 29 96.763397 that5 1 3 4 3 6 1006 1517 59 28 96.980865 you5 1 3 4 3 7 1080 1508 77 28 96.453812 needs 1 3 4 3 8 1170 1506 126 38 96.453812 through5 1 3 4 3 9 1311 1506 48 30 96.883713 thes 1 3 4 3 10 1372 1506 97 29 96.664871 books5 1 3 4 3 11 1483 1506 59 29 96.971512 ands 1 3 4 3 12 1555 1511 83 31 96.165993 tapes5 1 3 4 3 13 1653 1505 60 28 96.434387 that5 1 3 4 3 14 1726 1505 85 28 96.462280 Dave5 1 3 4 3 15 1825 1504 57 29 96.418304 Dela 1 3 4 4 0 545 1553 1337 43 -1 5 1 3 4 4 1 545 1560 91 29 96.905617 Dotto5 1 3 4 4 2 649 1560 79 33 95.851540 sells,5 1 3 4 4 3 742 1560 57 28 96.968338 ands 1 3 4 4 4 811 1559 39 29 96.953590 do5 1 3 4 4 5 863 1559 29 28 96.784592 it.5 1 3 4 4 6 915 1559 24 28 96.821945 It5 1 3 4 4 7 952 1557 91 39 96.935776 really5 1 3 4 4 8 1056 1557 107 30 94.477409 works.5 1 3 4 4 9 1188 1556 124 30 94.477409 Believes 1 3 4 4 10 1326 1564 56 26 96.943672 me,5 1 3 4 4 11 1396 1556 21 28 96.943672 it5 1 3 4 4 12 1429 1554 125 30 93.730690 works.”5 1 3 4 4 13 1570 1554 133 36 96.654366 [Quoted5 1 3 4 4 14 1715 1553 77 30 95.999168 from5 1 3 4 4 15 1805 1554 77 28 95.999168 How4 1 3 4 5 0 546 1605 971 41 -1 5 1 3 4 5 1 546 1616 29 23 96.990761 to5 1 3 4 5 2 588 1610 91 28 95.960739 Makes 1 3 4 5 3 691 1609 133 37 95.603348 Nothing5 1 3 4 5 4 836 1608 57 30 95.603348 But5 1 3 4 5 5 905 1608 123 36 95.624825 Money,5 1 3 4 5 6 1043 1606 180 30 96.536194 testimonials 1 3 4 5 7 1237 1606 36 29 96.536194 of5 1 3 4 5 8 1282 1605 114 29 96.880791 Dennis5 1 3 4 5 9 1409 1605 108 34 96.930611 Smith]3 1 3 5 0 0 545 1654 1338 190 -1 4 1 3 5 1 0 619 1654 1264 41 -1 5 1 3 5 1 1 619 1659 34 29 91.776039 R.5 1 3 5 1 2 679 1659 25 28 95.507072 I can't, you know, stress enough about how to, how to encourage you to get the tapes to do this, because I'm just an average Joe, and, and if I can learn this, believe me, you can." [Quoted from Financial Freedom VI and How to Make Nothing But Money, testimonial of Dan O'Connor] S. It's5 1 3 6 1 3 753 1855 89 38 96.977814 beings 1 3 6 1 4 858 1856 86 28 96.176849 done.5 1 3 6 1 5 971 1855 24 29 93.557098 It5 1 3 6 1 6 1008 1863 55 20 93.557098 cans 1 3 6 1 7 1076 1854 38 29 96.928741 be5 1 3 6 1 8 1129 1854 87 29 96.298920 done.5 1 3 6 1 9 1242 1853 97 28 94.153496 We're5 1 3 6 1 10 1352 1852 92 38 96.700111 doing5 1 3 6 1 11 1458 1851 29 30 96.448868 it.5 1 3 6 1 12 1514 1851 97 29 96.039719 We're5 1 3 6 1 13 1624 1860 127 29 96.614006 averages 1 3 6 1 14 1765 1850 116 39 96.838936 people.4 1 3 6 2 0 546 1901 1337 43 -1 5 1 3 6 2 1 546 1906 153 38 96.091957 Everyone5 1 3 6 2 2 711 1914 55 21 96.091957 cans 1 3 6 2 3 778 1906 38 29 96.960381 do5 1 3 6 2 4 829 1905 64 30 96.886505 this.5 1 3 6 2 5 908 1904 129 37 58.206009 [Quoted5 1 3 6 2 6 1050 1903 77 30 96.829262 from5 1 3 6 2 7 1138 1903 150 30 96.837769 Financial5 1 3 6 2 8 1300 1902 143 30 95.667747 Freedom5 1 3 6 2 9 1455 1902 41 29 78.356880 VI5 1 3 6 2 10 1509 1902 57 29 95.958580 ands 1 3 6 2 11 1578 1901 149 29 95.958580 Financial5 1 3 6 2 12 1740 1901 143 28 96.319817 Freedom4 1 3 6 3 0 545 1954 541 39 -1 5 1 3 6 3 1 545 1956 36 34 92.094818 II,5 1 3 6 3 2 594 1956 179 29 96.626030 testimonials 1 3 6 3 3 787 1955 34 29 96.785080 of5 1 3 6 3 4 830 1955 114 38 96.107666 Reggie5 1 3 6 3 5 957 1954 129 35 96.587769 Brooks]2 1 4 0 0 0 546 2058 1337 228 -1 3 1 4 1 0 0 546 2058 1337 228 -1 4 1 4 1 1 0 620 2058 1263 51 -1 5 1 4 1 1 1 620 2064 32 36 96.769096 6.5 1 4 1 1 2 678 2064 165 45 96.811386 Through5 1 4 1 1 3 856 2064 58 34 97.000977 thes 1 4 1 1 4 926 2073 63 25 96.415054 uses 1 4 1 1 5 1003 2062 42 36 96.415054 of5 1 4 1 1 6 1055 2062 57 35 96.710274 thes 1 4 1 1 7 1126 2067 203 30 96.576477 statements5 1 4 1 1 8 1344 2060 186 35 96.990623 contained5 1 4 1 1 9 1544 2059 36 35 96.885979 in5 1 4 1 1 10 1594 2058 289 36 96.695396 advertisements4 1 4 1 2 0 547 2116 1336 49 -1 5 1 4 1 2 1 547 2123 69 35 96.275665 ands 1 4 1 2 2 631 2122 102 36 96.022583 others 1 4 1 2 3 748 2121 335 40 96.238953 communications,5 1 4 1 2 4 1101 2118 185 47 96.732552 including5 1 4 1 2 5 1302 2119 62 36 96.958733 but5 1 4 1 2 6 1380 2124 61 30 96.765297 not5 1 4 1 2 7 1457 2117 219 46 96.384903 necessarily5 1 4 1 2 8 1693 2116 138 36 96.885063 limited5 1 4 1 2 9 1846 2122 37 30 96.968033 to4 1 4 1 3 0 547 2175 1336 48 -1 5 1 4 1 3 1 547 2181 57 35 96.828560 thes 1 4 1 3 2 629 2180 293 36 96.532173 advertisements5 1 4 1 3 3 948 2179 155 36 96.859398 referred5 1 4 1 3 4 1129 2184 36 30 96.822426 to5 1 4 1 3 5 1190 2178 37 35 96.950333 in5 1 4 1 3 6 1252 2177 141 46 96.572891 findings 1 4 1 3 7 1418 2176 87 42 96.115303 five,5 1 4 1 3 8 1531 2176 235 46 96.510185 respondents5 1 4 1 3 9 1792 2175 91 36 96.585014 have4 1 4 1 4 0 546 2236 868 50 -1 5 1 4 1 4 1 546 2239 237 47 96.265495 represented,5 1 4 1 4 2 799 2238 148 46 96.473228 directly5 1 4 1 4 3 962 2249 40 24 97.001106 or5 1 4 1 4 4 1015 2238 48 45 96.376953 by5 1 4 1 4 5 1079 2236 235 47 96.258400 implication,5 1 4 1 4 6 1331 2236 83 35 96.914948 that:2 1 5 0 0 0 546 2351 1343 511 -1 3 1 5 1 0 0 546 2351 1338 226 -1 4 1 5 1 1 0 620 2351 1261 51 -1 5 1 5 1 1 1 620 2357 43 35 96.557777 A.5 1 5 1 1 2 690 2355 253 47 1.697250 Respondents’5 1 5 1 1 3 956 2355 97 35 96.782410 books 1 5 1 1 4 1066 2354 144 35 96.615616 entitled5 1 5 1 1 5 1226 2353 187 45 95.533432 Treasury of Government Loans,"

which is volume 8 of the Cash Flow System, will teach customers how every homeowner can immediately get a government home improvement loan of $17,500;

B. Respondents’ book entitled Treasury5 1 5 2 1 6 1435 2585 42 35 96.696274 of5 1 5 2 1 7 1489 2584 244 36 96.311096 Governments 1 5 2 1 8 1745 2584 137 35 89.472443 Loans will show customers how to pocket some portion of the proceeds of a $17,500 government home improvement loan; C. Respondents’ book entitled “Your Credit, The Key to Financial Resources," which is volume 3 of the Cash Flow System, Decision and Order 117 F.T.C.

will teach customers how they can get over $100,000 of unsecured credit through credit cards;

D. The National5 1 3 2 1 4 1150 674 232 37 96.117554 Foreclosure5 1 3 2 1 5 1411 676 172 35 96.349609 Networks 1 3 2 1 6 1611 677 208 35 96.098892 Wholesale5 1 3 2 1 7 1846 677 148 45 96.314102 Buyer's4 1 3 2 2 0 657 733 1337 38 -1 5 1 3 2 2 1 657 733 136 36 96.401756 Guide includes an extensive list of foreclosure and tax sale properties;

E. A telephone consulting service, to personally assist customers in making real estate deals, is included in the price paid for the Cash Flow System;

F. Respondents’ book entitled Treasury5 1 3 4 1 6 1541 1026 43 36 95.858475 of5 1 3 4 1 7 1595 1026 243 36 95.858475 Governments 1 3 4 1 8 1852 1026 138 36 96.477203 Loans shows customers how they can get loans for 1% to 3% under circumstances normally and expectably encountered by consumers; and G. Respondents’ book entitled Treasury5 1 3 5 1 6 1543 1259 43 36 96.456337 of5 1 3 5 1 7 1595 1259 245 36 96.316589 Governments 1 3 5 1 8 1852 1260 137 35 96.795441 Loans will show customers how they can get the government to make all of their payments on rental property.

7. The representations set forth in finding six were, and are, false and misleading because:

A. Respondents’ book entitled Treasury5 1 5 1 1 6 1542 1668 41 34 95.809715 of5 1 5 1 1 7 1594 1668 244 34 96.564430 Governments 1 5 1 1 8 1850 1668 137 34 95.441437 Loans does not teach customers how every homeowner can immediately get a government home improvement loan for $17,500. Under the pertinent loan program, Section 2 of Title I of the National Housing Act, 12 U.S.C. 1703, consumers must meet eligibility requirements including, but not necessarily limited to, creditworthiness. B. Respondents’ book entitled"Treasury of Government Loans" does not show customers how to pocket some portion of the proceeds of a $17,500 government home improvement loan. It does not contain any discussion of pocketing proceeds. In addition, the loans guaranteed under the pertinent loan program, Section 2 of Title I of National Housing Act, 12 U.S.C. 1703, are only for property improvement and are not supposed to be pocketed. C. Respondents’ book entitled Yours 1 5 3 1 6 1573 2422 132 40 95.810822 Credit,5 1 5 3 1 7 1736 2422 75 35 96.371017 Thes 1 5 3 1 8 1843 2422 79 45 96.581078 Keys 1 5 3 1 9 1954 2428 34 29 96.211838 to4 1 5 3 2 0 650 2480 1341 46 -1 5 1 5 3 2 1 650 2481 178 35 95.946541 Financial5 1 5 3 2 2 841 2480 216 35 93.482834 Resources does not teach customers how they can get over $100,000 of unsecured credit through credit cards. It does not contain any discussion of customers obtaining over $100,000 of unsecured credit through credit cards. In addition, the prerequisites for the issuance of credit cards make it virtually impossible for all but those with extremely high incomes and very good credit histories to obtain the amount of unsecured credit indicated. DEL DOTTO ENTERPRISES, INC., ET AL. 459 446 Decision and Order D. The National5 1 3 1 1 4 1037 581 233 36 96.063004 Foreclosure5 1 3 1 1 5 1297 581 173 36 95.960541 Networks 1 3 1 1 6 1497 581 208 36 96.386665 Wholesale5 1 3 1 1 7 1733 581 147 46 96.571899 Buyer's4 1 3 1 2 0 544 637 1336 37 -1 5 1 3 1 2 1 544 637 136 35 87.454247 Guide does not contain an extensive list of foreclosure and tax sale properties.

E. The telephone consulting service is not included in the price paid for the Cash Flow System.

F. Respondents’ book entitled Treasury5 1 3 3 1 6 1427 871 43 35 96.335449 of5 1 3 3 1 7 1481 871 244 36 96.335449 Governments 1 3 3 1 8 1739 872 137 35 93.847939 Loans does not show customers how they can get loans for 1% to 3%, under circumstances normally and expectably encountered by consumers. The 1% to 3% loans mentioned in respondents’ books are either available in very limited circumstances or are no longer available. G. Respondents’ book entitled Treasury5 1 3 4 1 6 1427 1162 43 35 96.252121 of5 1 3 4 1 7 1480 1163 244 36 96.252121 Governments 1 3 4 1 8 1736 1163 137 36 96.532127 Loans does not show customers how they can get the government to make all of their payments on rental property. 8. In their advertising and sale of the Cash Flow System, respondents have represented, directly or by implication, that respondents guarantee a refund of the purchase price. Respondents have failed to adequately disclose that respondents charge a restocking fee of 10% of the purchase price on refunds made under their guarantee. This fact would be material to consumers in their purchase decisions regarding the product. The failure to adequately disclose this fact, in light of the representation made, was, and is, a deceptive practice.

9. Through the use of the statements contained in advertisements and other communications, including but not necessarily limited to the advertisements referred to in finding five, respondents have represented, directly or by implication, that: A. Hundreds of thousands of respondents’ customers have made substantial sums of money through use of the Cash Flow System; B. Customers who attempt to use the Cash Flow System typically profit through investments in real estate; and, C. The consumer testimonials that appear in advertisements for the Cash Flow System reflect the typical or ordinary experience of members of the public who have attempted to use the Cash Flow System.

10. The representations set forth in finding nine were, and are, false and misleading because:

Decision and Order 117 F.T.C.

A. Hundreds of thousands of respondents’ customers have not made substantial sums of money through use of the Cash Flow System;

B. Customers who attempt to use the Cash Flow System do not typically profit through investments in real estate; and, C. The consumer testimonials that appear in advertisements for the Cash Flow System do not reflect the typical or ordinary experience of members of the public who have attempted to use the Cash Flow System.

11. Through the use of the statements contained in advertisements and other communications, including but not necessarily limited to the advertisements referred to in finding five, respondents have represented, directly or by implication, that at the time they made the representations set forth in finding nine, respondents possessed and relied upon a reasonable basis that substantiated such representations.

12. At the time they made the representations set forth in finding nine, respondents did not possess and rely upon a reasonable basis that substantiated such representations. Therefore, the representation set forth in finding eleven was, and is, false and misleading. 13. Through the advertising and dissemination of its programlength advertisements, including but not necessarily limited to Financial Freedom, respondents have represented, directly or by implication, that these advertisements are independent television programs and are not paid commercial advertising. 14. The advertisements referred to in finding thirteen are not independent television programs and are paid commercial advertising. Therefore, the representation set forth in finding thirteen was, and is, false and misleading.

15. Respondents have offered for sale and sold computer hardware and software to customers in various locations in the United States. In connection with these sales, respondents have represented, directly or by implication, that computer hardware and software sold to customers would be delivered to the customers within a specified period of time or a reasonable period of time. 16. The computer hardware and software referred to in finding fifteen that were sold to customers have not in many instances been delivered to them or have not been delivered to them within the specified period of time or within a reasonable period of time. DEL DOTTO ENTERPRISES, INC., ET AL. 461 446 Decision and Order Further, in many instances, respondents have failed to provide refunds of money paid by such customers or have failed to provide them within a reasonable period of time. Therefore, the representation set forth in finding fifteen was, and is, false and misleading. 17. Respondents have represented, directly or by implication, in the sale of goods and services that refunds would be made within a reasonable period of time in accordance with the terms of the guarantee or warranty offered with such goods and services. 18. Respondents have represented, directly or by implication, that refunds would be made within a reasonable period of time on goods and services returned to DDE with authorization from DDE. 19. In numerous instances, customers who have returned goods or services purchased from respondents in accordance with the terms of the offered guarantee or warranty or with authorization from DDE have not received refunds from respondents or have received refunds from respondents only after unreasonable delay and numerous requests to respondents for their refunds. Therefore, the representations set forth in findings seventeen and eighteen were, and are, false and misleading.

20. The acts and practices of respondents as alleged above in this complaint constitute unfair or deceptive acts or practices in or affecting commerce in violation of Section 5(a) of the Federal Trade Commission Act.

ORDER As used in this order, the term business5 1 5 1 1 9 1411 2102 248 47 91.796135 opportunity means an activity engaged in for the purpose of making a profit. I.

It is ordered, That Del Dotto Enterprises, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their respective agents, representatives, and employees, acting directly or through any partnership, corporation, subsidiary, division, or other device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale or distribution of the Cash Flow System or any other product or service concerning investments, credit, business opportunities, or real estate, in or affecting Decision and Order 117 F.T.C.

commerce, as Commerce is defined in the Federal Trade Commission Act, do forthwith cease and desist from representing, directly or by implication, that:

A. Respondents will teach customers how every homeowner can get a government home improvement loan;

B. Every homeowner can get a loan that is insured under Section 2 of Title I of the National Housing Act, 12 U.S.C. 1703; C. Respondents will show customers how to pocket some portion of the proceeds of a government home improvement loan; D. Customers can pocket some portion of the proceeds of a loan that is insured under Section 2 of Title I of the National Housing Act, 12 U.S.C. 1703;

E. Respondents will teach customers how they can get over $100,000 of unsecured credit through credit cards; F. Customers can get over $100,000 of unsecured credit through credit cards regardless of their creditworthiness and income; G. Respondents will show customers how they can get loans for 1% to 3% under circumstances normally and expectably encountered by consumers;

H. Respondents will show customers how they can get the government to make all of their mortgage paymenis on rental property;

I. The government will make all of a customer's mortgage payments on rental property;

J. Hundreds of thousands of respondents’ customers have made substantial sums of money through use of the Cash Flow System; K. Customers who attempt to use the Cash Flow System typically profit through investments in real estate; and, L. The consumer testimonials that have appeared in the advertisements for the Cash Flow System referred to in paragraph four of the complaint reflect the typical or ordinary experience of members of the public who have attempted to use the Cash Flow System.

Il.

It is further ordered, That Del Dotto Enterprises, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their DEL DOTTO ENTERPRISES, INC., ET AL. 463 446 Decision and Order respective agents, representatives, and employees, acting directly or through any partnership, corporation, subsidiary, division, or other device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale or distribution of the Cash Flow System or any other product or service concerning investments, credit, business opportunities, or real estate, in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, do forthwith cease and desist from misrepresenting, in any manner, directly or by implication, that: A. The book entitled National5 1 4 1 1 6 1247 1169 231 35 96.445740 Foreclosure5 1 4 1 1 7 1492 1169 170 36 96.933266 Networks 1 4 1 1 8 1675 1169 206 36 96.528633 Wholesale4 1 4 1 2 0 546 1226 1334 45 -1 5 1 4 1 2 1 546 1226 146 45 94.907516 Buyer's5 1 4 1 2 2 710 1226 129 41 96.751068 Guide,5 1 4 1 2 3 858 1226 162 36 96.257401 includes5 1 4 1 2 4 1039 1237 43 24 95.950897 an5 1 4 1 2 5 1099 1226 186 36 95.568321 extensive5 1 4 1 2 6 1303 1227 59 36 97.003349 lists 1 4 1 2 7 1379 1227 42 36 96.925339 of5 1 4 1 2 8 1435 1227 222 36 96.411110 foreclosure5 1 4 1 2 9 1674 1238 40 25 96.472198 or5 1 4 1 2 10 1731 1234 57 29 96.725334 tax5 1 4 1 2 11 1807 1228 73 35 96.929955 sale4 1 4 1 3 0 544 1284 294 45 -1 5 1 4 1 3 1 544 1284 208 45 96.821449 properties;5 1 4 1 3 2 769 1285 69 34 96.865318 and3 1 4 2 0 0 544 1342 1335 151 -1 4 1 4 2 1 0 619 1342 1260 47 -1 5 1 4 2 1 1 619 1342 40 35 93.067406 B.5 1 4 2 1 2 685 1343 33 34 96.970131 A5 1 4 2 1 3 732 1342 185 46 96.407837 telephones 1 4 2 1 4 931 1342 199 46 92.968277 consulting5 1 4 2 1 5 1145 1343 146 41 96.602089 service,5 1 4 2 1 6 1305 1350 36 28 97.003685 to5 1 4 2 1 7 1354 1344 200 45 96.647476 personally5 1 4 2 1 8 1568 1344 104 35 96.543839 assists 1 4 2 1 9 1684 1350 195 30 96.437965 customers4 1 4 2 2 0 544 1399 1334 48 -1 5 1 4 2 2 1 544 1399 35 35 96.712769 in5 1 4 2 2 2 594 1400 143 45 96.912880 making5 1 4 2 2 3 751 1401 70 33 96.885941 real5 1 4 2 2 4 835 1407 109 27 96.931976 estates 1 4 2 2 5 958 1401 109 40 96.813148 deals,5 1 4 2 2 6 1083 1401 29 34 96.867981 is5 1 4 2 2 7 1127 1401 167 34 96.924797 included5 1 4 2 2 8 1308 1401 35 34 96.622086 in5 1 4 2 2 9 1357 1401 58 35 96.917122 thes 1 4 2 2 10 1429 1401 95 45 96.880096 prices 1 4 2 2 11 1538 1401 83 45 96.672668 paid5 1 4 2 2 12 1635 1401 56 36 96.706100 for5 1 4 2 2 13 1703 1402 58 35 93.302261 thes 1 4 2 2 14 1774 1403 104 44 91.682495 prod-4 1 4 2 3 0 544 1458 274 35 -1 5 1 4 2 3 1 544 1464 58 28 96.967201 ucts 1 4 2 3 2 616 1468 41 24 95.481903 or5 1 4 2 3 3 670 1458 148 35 96.325378 service.2 1 5 0 0 0 1179 1575 58 35 -1 3 1 5 1 0 0 1179 1575 58 35 -1 4 1 5 1 1 0 1179 1575 58 35 -1 5 1 5 1 1 1 1179 1575 58 35 26.347092 II.2 1 6 0 0 0 537 1689 1340 687 -1 3 1 6 1 0 0 537 1689 1340 687 -1 4 1 6 1 1 0 614 1689 1261 48 -1 5 1 6 1 1 1 614 1690 31 33 96.588463 It5 1 6 1 1 2 661 1690 30 34 96.916870 is5 1 6 1 1 3 698 1689 147 44 96.348648 furthers 1 6 1 1 4 858 1690 165 41 96.456879 ordered,5 1 6 1 1 5 1040 1690 90 35 96.891586 That5 1 6 1 1 6 1146 1691 69 34 96.751335 Del5 1 6 1 1 7 1231 1692 112 34 96.708954 Dotto5 1 6 1 1 8 1358 1692 233 45 96.759186 Enterprises,5 1 6 1 1 9 1609 1692 43 35 96.889267 its5 1 6 1 1 10 1670 1704 205 24 95.790184 successors4 1 6 1 2 0 541 1748 1334 45 -1 5 1 6 1 2 1 541 1748 68 34 96.930153 ands 1 6 1 2 2 622 1748 147 45 96.651001 assigns,5 1 6 1 2 3 783 1749 67 34 96.847649 ands 1 6 1 2 4 862 1749 43 35 96.637383 its5 1 6 1 2 5 919 1749 155 41 96.417572 officers,5 1 6 1 2 6 1090 1750 67 35 96.173279 ands 1 6 1 2 7 1170 1750 117 35 93.292694 David5 1 6 1 2 8 1300 1751 34 34 91.103104 P.5 1 6 1 2 9 1349 1751 67 34 96.388741 Del5 1 6 1 2 10 1430 1751 109 35 96.837410 Dotto5 1 6 1 2 11 1552 1752 68 34 96.885025 ands 1 6 1 2 12 1633 1752 163 35 96.241608 Yolanda5 1 6 1 2 13 1808 1752 67 35 96.116707 Dela 1 6 1 3 0 540 1806 1337 48 -1 5 1 6 1 3 1 540 1806 119 40 96.742096 Dotto,5 1 6 1 3 2 673 1806 231 45 96.987427 individually5 1 6 1 3 3 918 1807 68 35 96.305252 ands 1 6 1 3 4 999 1818 37 24 96.305252 as5 1 6 1 3 5 1050 1807 146 35 96.270966 officers5 1 6 1 3 6 1210 1808 42 34 96.720306 of5 1 6 1 3 7 1262 1809 68 34 96.926529 Del5 1 6 1 3 8 1343 1809 109 34 96.792419 Dotto5 1 6 1 3 9 1465 1809 228 45 96.700378 Enterprises,5 1 6 1 3 10 1708 1810 68 35 97.006447 ands 1 6 1 3 11 1789 1810 88 35 96.654106 their4 1 6 1 4 0 539 1863 1338 50 -1 5 1 6 1 4 1 539 1863 197 46 96.951866 respective5 1 6 1 4 2 751 1870 132 40 96.751144 agents,5 1 6 1 4 3 898 1865 304 45 96.816338 representatives,5 1 6 1 4 4 1219 1866 69 35 96.642883 ands 1 6 1 4 5 1302 1866 219 46 96.561333 employees,5 1 6 1 4 6 1539 1867 118 46 96.934631 acting5 1 6 1 4 7 1672 1868 150 45 96.831459 directly5 1 6 1 4 8 1837 1879 40 24 97.002045 or4 1 6 1 5 0 540 1923 1337 47 -1 5 1 6 1 5 1 540 1923 151 44 96.345413 through5 1 6 1 5 2 709 1933 68 35 96.541939 any5 1 6 1 5 3 794 1923 231 46 96.526115 partnership,5 1 6 1 5 4 1043 1924 239 45 96.424583 corporation,5 1 6 1 5 5 1301 1925 213 45 96.689186 subsidiary,5 1 6 1 5 6 1531 1926 170 40 96.499756 division,5 1 6 1 5 7 1720 1937 40 24 96.994324 or5 1 6 1 5 8 1776 1926 101 35 96.596352 other4 1 6 1 6 0 539 1980 1334 49 -1 5 1 6 1 6 1 539 1980 136 40 96.073402 device,5 1 6 1 6 2 691 1980 35 35 97.008049 in5 1 6 1 6 3 741 1981 213 35 96.770096 connections 1 6 1 6 4 970 1981 85 36 96.551453 with5 1 6 1 6 5 1070 1982 58 35 96.812210 thes 1 6 1 6 6 1143 1982 299 46 96.243614 manufacturing,5 1 6 1 6 7 1459 1983 169 46 96.979698 labeling,5 1 6 1 6 8 1645 1984 228 45 96.637413 advertising,4 1 6 1 7 0 539 2037 1335 47 -1 5 1 6 1 7 1 539 2037 216 46 96.712341 promotion,5 1 6 1 7 2 775 2038 156 46 96.870354 offerings 1 6 1 7 3 949 2038 58 36 97.013908 for5 1 6 1 7 4 1024 2039 85 41 96.975090 sale,5 1 6 1 7 5 1130 2040 74 34 97.012459 sales 1 6 1 7 6 1223 2051 41 24 96.642044 or5 1 6 1 7 7 1280 2040 227 36 96.642044 distributions 1 6 1 7 8 1525 2041 43 35 95.923271 of5 1 6 1 7 9 1583 2041 58 35 96.078812 thes 1 6 1 7 10 1660 2042 97 35 96.615997 Cash5 1 6 1 7 11 1774 2042 100 35 96.876228 Flow4 1 6 1 8 0 539 2095 1333 50 -1 5 1 6 1 8 1 539 2095 142 46 96.501564 Systems 1 6 1 8 2 706 2106 40 25 96.463295 or5 1 6 1 8 3 769 2107 67 35 96.463295 any5 1 6 1 8 4 860 2097 102 35 96.005386 others 1 6 1 8 5 984 2097 150 46 96.005386 products 1 6 1 8 6 1158 2109 40 24 96.888863 or5 1 6 1 8 7 1222 2098 138 36 96.342400 services 1 6 1 8 8 1384 2099 218 46 96.857552 concerning5 1 6 1 8 9 1627 2100 245 41 96.580032 investments,4 1 6 1 9 0 538 2154 1336 49 -1 5 1 6 1 9 1 538 2154 123 41 96.695312 credit,5 1 6 1 9 2 698 2154 164 36 96.445755 business5 1 6 1 9 3 899 2155 272 45 96.509995 opportunities,5 1 6 1 9 4 1208 2167 41 24 96.334206 or5 1 6 1 9 5 1283 2157 72 35 95.437592 real5 1 6 1 9 6 1392 2163 122 35 95.437592 estate,5 1 6 1 9 7 1552 2157 35 35 96.466919 in5 1 6 1 9 8 1624 2168 40 25 96.562393 or5 1 6 1 9 9 1699 2157 175 46 96.786964 affecting4 1 6 1 10 0 538 2214 1336 40 -1 5 1 6 1 10 1 538 2223 214 31 96.441811 commerce,5 1 6 1 10 2 792 2223 37 25 96.335747 as5 1 6 1 10 3 870 2214 241 35 90.245361 commerce" is defined in the Federal Trade Commission Act, do forthwith cease and desist from misrepresenting, directly or by implication, the following: A. The availability, terms or conditions of any loan, grant or credit from any source for any purpose; and B. The contents or scope of any product or service, including, but not limited to, any book or other writing, or audio or video tape. Decision and Order 117 F.T.C.

IV.

It is further ordered, That Del Dotto Enterprises, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their respective agents, representatives, and employees, acting directly or through any partnership, corporation, subsidiary, division, or other device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale or distribution of the Cash Flow System or any other product or service concerning investments, credit, business opportunities, or real estate, in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, do forthwith cease and desist from representing, directly or by implication, the performance, benefits, efficacy or success rate of any such product or service, unless such representation is true and unless at the time of making such representation respondents possess and rely upon competent and reliable evidence, which when appropriate must be competent and reliable scientific evidence, that substantiates the representation. For purposes of this order, competent and reliable scientific evidence shall mean tests, analyses, research, studies or other evidence based on the expertise of professionals in the relevant area that has been conducted and evaluated in an objective manner by persons qualified to do so, using procedures generally accepted in the profession to yield accurate and reliable results.

V.

It is further ordered, That the respondents, Del Dotto Enterprises, a corporation, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their respective agents, representatives and employees, directly or through any corporation, subsidiary, division or other device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale, or distribution of any product or service in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, do forthwith cease and desist from representing, directly or by implication, that any endorsement (as endorsement is defined in 16 CFR 255.0(b)) of the product or service represents the typical or DEL DOTTO ENTERPRISES, INC., ET AL. 465 446 Decision and Order ordinary experience of members of the public who attempt to use the product or service, unless such is the fact. VI.

It is further ordered, That Del Dotto Enterprises, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their respective agents, representatives, and employees, acting directly or through any partnership, corporation, subsidiary, division, or other device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale or distribution of the Cash Flow System or any other product or service concerning investments, credit, business opportunities, or real estate, in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, when representing to consumers the existence of a guarantee, warranty or refund policy, do forthwith cease and desist from:

a. Using the terms Satisfaction5 1 6 1 1 6 1333 1695 232 41 93.837189 Guarantee, Moneys 1 6 1 1 8 1778 1696 100 34 96.994659 Back4 1 6 1 2 0 541 1752 1335 46 -1 5 1 6 1 2 1 541 1752 232 41 89.303528 Guarantee, Free5 1 6 1 2 3 952 1753 94 34 96.351242 Trials 1 6 1 2 4 1084 1753 135 41 93.870483 Offer, or similar representations in advertising unless they refund the full purchase price of the advertised product at the purchaser's request; b. Failing to disclose, with such clarity and prominence as will be noticed and understood by prospective purchasers, any material limitations or conditions that apply to a guarantee, warranty or refund policy; and c. Failing to refund money in accordance with the terms of a guarantee, warranty or refund policy within a reasonable period of time after a consumer complies with the conditions for receiving a refund. For purposes of this paragraph, a5 1 6 3 4 8 1400 2336 211 35 96.089821 reasonable5 1 6 3 4 9 1628 2336 85 35 96.385712 times 1 6 3 4 10 1730 2335 143 46 93.802681 period shall be:

(1) That period of time specified in respondents, solicitation if such period is clearly and conspicuously disclosed to the purchaser in the solicitation; or (2) If no period of time is clearly and conspicuously disclosed, a period of thirty (30) days following the date that purchaser complies with the conditions for receiving a refund. Decision and Order 117 F.T.C.

VU.

It is further ordered, That Del Dotto Enterprises, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their respective agents, representatives, and employees, acting directly or through any partnership, corporation, subsidiary, division, or other device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale or distribution of any product or service, in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, do forthwith cease and desist from creating, producing, selling, or disseminating: A. Any advertisement that misrepresents, directly or by implication, that it is not a paid advertisement; B. Any commercial or other video advertisement fifteen (15) minutes in length or longer or intended to fill a broadcasting or cable casting time slot of fifteen (15) minutes in length or longer that does not display visually, in a clear and prominent manner and for a length of time sufficient for an ordinary consumer to read, within the first thirty (30) seconds of the commercial and immediately before each presentation of ordering instructions for the product or service, the following disclosure:

THES 1 6 1 1 2 858 1992 242 34 94.627274 PROGRAMS 1 6 1 1 3 1137 1993 104 35 96.501167 YOU5 1 6 1 1 4 1277 1994 97 34 96.765327 ARES 1 6 1 1 5 1408 1995 270 34 96.748726 WATCHING5 1 6 1 1 6 1713 1995 40 35 95.787262 IS5 1 6 1 1 7 1791 1996 32 34 95.716347 A5 1 6 1 1 8 1859 1996 114 34 95.716347 PAID4 1 6 1 2 0 707 2049 1240 47 -1 5 1 6 1 2 1 707 2049 414 36 96.449326 ADVERTISEMENTS 1 6 1 2 2 1135 2051 94 35 96.990631 FOR5 1 6 1 2 3 1247 2052 108 41 96.924515 [THES 1 6 1 2 4 1370 2052 229 35 96.022446 PRODUCTS 1 6 1 2 5 1614 2052 67 36 93.119263 OR5 1 6 1 2 6 1696 2053 251 43 90.461647 SERVICE]. Provided that, for the purposes of this provision, the oral or visual presentation of a telephone number or address for viewers to contact to place an order for the product or service shall be deemed a presentation of ordering instructions so as to require the display of the disclosure provided herein.

Vill.

It is further ordered, That Del Dotto Enterprises, its successors and assigns, and its officers, and David P. Del Dotto and Yolanda Del Dotto, individually and as officers of Del Dotto Enterprises, and their respective agents, representatives, and employees, acting directly or through any partnership, corporation, subsidiary, division, or other DEL DOTTO ENTERPRISES, INC., ET AL. 467 446 Decision and Order device, in connection with the manufacturing, labeling, advertising, promotion, offering for sale, sale or distribution of any product or service, in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, do forthwith cease and desist from failing to deliver goods, transfer interests in real estate or perform services ordered by purchasers from respondents within a reasonable time period. If delivery, transfer or performance cannot be completed within such a reasonable time period, then respondents shall clearly and conspicuously offer in writing to such purchaser, no later than at the expiration of the reasonable time period, an option either to consent to a delay in delivery, transfer or performance or to cancel his or her order and receive a full refund which shall be sent by respondents by first class mail within seven (7) working days of the date on which respondents receive such purchaser's notice of cancellation. For purposes of this paragraph, a5 1 3 1 15 8 1609 1414 211 35 96.354500 reasonable5 1 3 1 15 9 1842 1414 86 35 96.803589 time4 1 3 1 16 0 592 1476 321 46 -1 5 1 3 1 16 1 592 1476 142 46 73.673546 period shall be:

(a) That period of time specified in respondents' solicitation if such period is clearly and conspicuously disclosed to the purchaser in the solicitation; or (b) If no period of time is clearly and conspicuously disclosed, a period of thirty (30) days following the date that the purchaser's order is received by respondents or by a designated agent of respondents. Ix.

It is further ordered, That for five (5) years after the last date of dissemination of any representation covered by this order, respondents, or their successors and assigns, shall maintain and upon request make available to the Federal Trade Commission for inspection and copying:

A. All materials that were relied upon in disseminating such representation; and B. All tests, reports, studies, surveys, demonstrations or other evidence in their possession or control that contradict, qualify, or call into question such representation, or the basis relied upon for such representation, including complaints from consumers. Decision and Order 117 F.T.C.

X.

It is further ordered, That respondent Del Dotto Enterprises shall notify the Commission at least thirty (30) days prior to any proposed change in its corporate structure, including but not limited to dissolution, assignment or sale resulting in the emergence of a successor corporation, the creation or dissolutions of subsidiaries or affiliates, the planned filing of a bankruptcy petition, or any other corporate change that may affect compliance obligations arising out of this order.

XI.

It is further ordered, That respondents David P. Del Dotto and Yolanda Del Dotto shall, for a period of ten (10) years from the date of entry of this order, notify the Commission within thirty (30) days of the discontinuance of their present business or employment and of their affiliation with any new business or employment. Each notice of affiliation with any new business or employment shall include the respondent's new business address and telephone number, current home address, and a statement describing the nature of the business or employment and his or her duties and responsibilities. The expiration of the notice provision of this Part XI shall not affect any of the obligations arising under this order. XI.

It is further ordered, That respondents shall: A. Within thirty (30) days after service of this order, provide a copy of this order to each of respondents’ current principals, officers, directors and managers, and to all personnel, agents, and representatives having sales, advertising, or policy responsibility with respect to the subject matter of this order.

B. For a period of ten (10) years from the date of entry of this order, provide a copy of this order to each of respondents' principals, officers, directors and managers, and to all personnel, agents, and representatives having sales, advertising, or policy responsibility with respect to the subject matter of this order who are associated with DEL DOTTO ENTERPRISES, INC., ET AL. 469 446 Decision and Order respondents or any subsidiary, successor, or assign, within three (3) days after the person assumes his or her position. XII.

It is further ordered, That respondents shall, within sixty (60) days after service of this order, and at such other times as the Federal Trade Commission may require, file with the Commission a report, in writing, setting forth in detail the manner and form in which they have complied with this order.

Modifying Order 117 F.T.C.