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That's essentially it. They outsource the loss of delivering packages and make the company pay for it on top of it. I remember when this program came out and i

• tablespoon 5y ago
  > I remember when this program came out and it was an exceedingly bad deal on the surface. I was surprised to see anyone buy into it. I have no actual firsthand knowledge about this program, but I wonder if part of it was an appeal to (for lack of a better term) some people's ignorant individualist optimism (e.g. the idea that other people will fail because they're slackers, but they can succeed because they're smarter, can work harder, etc.).