The document lists various business costs including convention costs, brochures, travel, gas, wardrobe, office costs, staff costs, copier/fax/paper, phone bills, meals out, desks/decor/furniture/chairs. It then discusses the advantages of a new VFG graphic including a proprietary 18 page financial needs analysis, ability to appoint agents with credit challenges, new reps can get E&O insurance for $0, 3 business ownership programs, the home office pays out over $1 million daily in commissions, ownership by a large Dutch financial company, and a low monthly system cost of $19.95 vs $754 for competitors.