This document describes an online retail marketing system where consumers purchase products directly from manufacturers. The manufacturer then pays commissions to customers who refer other customers. Some key points: - Manufacturers set product prices to include all distribution and advertising costs. - Customers earn commissions from their referrals purchasing directly from the manufacturer. - Examples given are Amway, Amazon, eBay and Citibank which use similar referral models. - The system aims to pay customers for referrals in the same way a restaurant might for referrals.