Well I have absolutely no interest in defending this company, the more I read the more I think they're nothing more then a scam outfit. But I think they're located in Costa Rica and if they are, or in any Latin American country, two hour lunches are pretty much the norm. I had a insurance issue here in Mexico and was over charged on my policy. The provider called me and told me "yes, that's wrong well make a check for you and you can pick it up today in the afternoon." So I drove 30mins to their office arriving around 1:30 only to find a sign in the window "closed for lunch from 1pm-3pm." I called them in the morning, they called me back 20mins later and I had a check that day. BOL could take customer service lessons from them. But let's face it their business model doesn't seem based on return customers, rather an endless supply of new suckers, worldwide, who read they have a positive rating and are willing to deposit money with them.