There's always going to be complaints against different Bga's and Imo's. Chris Westphal did a whole segment how Amerilife screwed him then supposedly turned around and screwed Ben Boman. Everyone has complaints. Pinney had a connection with a carrier that helped me place a case most imo's couldn't have done. So my experience was good.Obviously I assure you there's somebody on this board that will badmouth every Imo. If Pinney did that its wrong but i'm just voicing my experience was good.