All I can say here is I never had any issues with Pearl. They have always been direct and upfront with me. Like many in the industry they do stack........but then again almost everyone like it or not, Also I will say that no one on this thread should be speaking badly about DF. I know the owner very very well and he has a TON of Integrity. "For $100 a month banner moral hazard can be sold!" just isn't even close to how DF operates.........