There's an MLM doing the rounds in Ireland at the moment. It's sheer genius. There's no product, participants simply pay £3,000 and in theory, get back £27,000 after a few weeks. The other brilliant innovation is that it's only open to women, although I'd put money on it having been invented by a man!
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"Theology is never any help; it is searching in a dark cellar at midnight for a black cat that isn't there. Theologians can persuade themselves of anything." -Robert A. Heinlein