This only works if you get the right 3.5% (or maybe the right 1% or even 0.5%). Most people just do and believe whatever their friends and family do. The free s

This only works if you get the right 3.5% (or maybe the right 1% or even 0.5%). Most people just do and believe whatever their friends and family do. The free spirits are the ones you want to convince, because everyone else follows.