From a pure mathematical formula, for every $1 dollar Ad Package that is Purchased, ASD promises to pay back $1.25 cents. In order for ASD to pay back $1.25, it needs to take in Gross Revenue $2.50 (since it's formula is to pay out 50% of Gross Revenue). So...for every $1 that ASD takes in, it needs $2.50 to pay back that $1 of Ad Purchase. That is the simple Balance Sheet of Assets vs Liability. That is A pure straightfoward mathematical formula. The Question is: HOW THE HECK IS ASD GOING TO COME UP WITH $2.50 if it is only collecting $1 ?? The answer to this lies not in math, but in human behavior and ASD's control of the Cash Out Pipelines... The Question "Where's the $2.50 coming from" is based on several false assumptions: 1. It assumes that ASD needs to come up with ALL the money IMMEDIATELY. 2. It assumes that EVERY ASD MEMBER is CASHING OUT 100% OF THEIR CASH BALANCE EVERY DAY UNTIL THEY ARE PAID 125% of their Ad Packages. IF BOTH ASSUMPTIONS are correct, then the ASD Bashers are Correct...ASD probably would not have the money to pay out..and would go bankrupt... BUT...The questions of WHERE'S THE MONEY COMING FROM could be be applied to any financial institution's circumstances. For Example: IF EVERY member of Bank of America ALL decided to drop by Bank of America and WITHDRAW ALL THEIR CASH FROM THEIR BANK OF AMERICA ACCOUNTS on the SAME DAY....what's the likelihood that Bank of America would have available Cash in their vaults to "CASH OUT" EVERY MEMBER on the same day? Chances are that Bank of America would RUN OUT of cash if they had to Cash out EVERY MEMBER AT THE SAME TIME IMMEDIATELY...and declare bankruptcy... The same Questions and false assumptions asked of ASD is no different of a scenario if applied to Bank of America or any other bank. What sustains ASD financially is straightfoward: 1. Control of the Cash Out Pipelines by controlling Rebate Percentages. 2. Human Behavior: not every member Cashes out 100% of their daily rebates everyday. Let's Take Point # 1: Control of Cash Out Pipeline: While the ASD MONEY POT GROWS EXPONENTIALLY Because Ad Purchases are deposited 100% FULL VALUE into the ASD ACCOUNT FUND...the Pipeline to the Cash Out Account is VERY SMALL: 1% weekdays and 0.5% weekends. It would take around 140s (something like that) days to fully back out 125% of the MONEY POT. That is a full 4-5 months...AT WHICH TIME THEY HAVE A FEW RALLIES in between to INCREASE the size of the MONEY POT...while the cash out pipeline remains small... CONCLUSION TO POINT # 1 - WHILE THE MONEY POT GROWS LARGER with new members money, current members daily upgrades, and the Regional Rallies...the pipeline remains at fixed 1% weekdays (0.5% weekends) at ASD's discretion and control. To keep the Rebate Program going, ASD DOES NOT need to come up with the $2.50 for every dollar it collects, it just need to have cash available for the 1 PENNY that is paid out on weekdays per Ad Package ($1). To survive ASD ONLY need to have Cash available for the Daily Cash Flow...NOT THE TOTAL LIABILITY OWED. That concept is not much different from how your local bank function - banks don't have 100% of every members Cash Stocked away in each bank Vault... More importantly, Let's discuss Point # 2: HUMAN BEHAVIOR. What is the likelihood that every ASD member Cashes out 100% of their daily rebates every day? Even if an ASD member has 100,000 Ad Packages (most of the folks in my ASD core group are at this level), what the likelihood that this person would cash out 100% of their Daily Rebates? The answer is VERY LOW...unless they want to see their Ad Packages Decline, their Rebates Decline, and Close Shop and go home in 140 days...This is the Human Behavior Factor... Of the number of ASD members you know either in your Upline or Downline, what percentage of them is Cashing Out 100% of their Daily Cash Rebates Everyday? And What Percentage of them are Upgrading the Bulk of their Cash BACK into ASD's CASH FUND? I would venture to guess that THE MAJORITY of ASD members are UPgrading most of their Cash Accounts to Build their Ad Package Portfolio. What does this mean to ASD? The Actual Pipeline of Cash Out becomes EVEN SMALLER allowing ASD to keep the ASD CASH POT larger.... So...assume that an ASD member is following the 80/20 Rule - Cashing out 20% and Upgrading 80%... Whereas I have shown that for every $1 ASD receives it only needs enough cash to pay out ONE CENT PER WEEKDAY (1%)...IN REALITY ASD ONLY NEEDS TO PAY OUT 0.2 CENT SINCE MOST MEMBERS ARE UPGRADING EITHER 100% OR AT LEAST 80% OF THEIR DAILY CASH OUTS.... SO...for every ONE DOLLAR that ASD COLLECTS: ASD's Financial Liability on a DAILY BASIS to keep the Rebate Program Afloat is NOT $2.50 for each Dollar it collects... It's daily financial liability is NOT EVEN ONE CENT (1%)... IT IS MORE REALISTICALLY 0.2 CENTS - OR 20% OF ONE CENT required to keep the Rebate Program Afloat if we take into account real life human behavior...not just a mathematical formula of "WHERE'S THE MONEY...ALL THE MONEY ALL AT ONCE..." SO DO YOU THINK ASD COULD HANDLE GIVING OUT 0.2 CENTS DAILY FOR EACH DOLLAR IT COLLECTS? The ASD EXIT PLAN IS VERY SIMPLE....Gather enough momentum of membership growth through the rebate program ("loss leader")...continue to attract Large Partners such as GreenBackStreet.com to generate Serious Revenues for ASD...and at some point when ASD attracts sufficient Large Corporate Sponsors generating adequate revenue, ASD may modify and morph its rebate program into something different...or get rid of it completely... The Rebate Program is simply a "Loss Leader" Strategy. A "Loss Leader" is when a product or service is sold at a very low price or "at a loss" for the purpose of attracting customers to a "retail store" - in this instance "the service" is the Rebate Program at a Loss and The Customers are the Large Corporations that will bring in $$ to advertise to ASD members. Could ASD Fail in it's Mission? YES. Could it succeed? YES. Need more financial education?