This is an online purchase on one of D. Murphy's products. The online offer leads you to believe that it's FREE. After one accepts the FREE offer the material is sent via email in modules. They claim that you have 15 days to cancel or be charged the $97.HERE'S WHERE THE QUESTION COMES IN. I have asked them several times to resend or show me where is this "15 days to cancel or be charged the $97" in their communication/emails. THEY NEVER ADDRESSED THIS QUESTION!