I signed up for a 2.95 grant research cd a month ago and received a charge on my credit card for 29.95 this month from a company I had never even heard of called the IWB CLUB . I did speak with a representative who stated I would receive a refund in 3-5 business days. we will see. I did file a complaint. I was never charged a fee of 69.95 from the grant research site like some of you... I have changed all my card information and will never use it over the internet again.